# CENTRAL FLORIDA EDUCATORS
LAKE MARY, FL · NCUA charter 1976 · asset band $1-10B · latest filing 2019-03 · stopped filing after 2019-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/central-florida-educators-1976

Who the members are: federal charter, community charter, organized 1937, low-income designated. 161,778 members of 2,400,000 potential (6.7% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.91B |
| Members | 161,778 (3.5% YoY) |
| Full-time staff | 462 |
| Net worth | $213.9M |
| Net worth ratio | 11.2% (p62 of band) |
| ROA (annualized) | 0.65% (p24 of band) |
| Total delinquency | 0.19% (p17 of band) |
| Net charge-offs (annualized) | 0.82% (p90 of band) |
| Loans / shares | 69% (p14 of band) |
| Cash / assets | 5.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p60 of band) |
| Operating expense / assets | 3.86% (p87 of band) |
| Vehicles % of loans | 46% (p74 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 82% |
| Third-party paper % of net worth | 205% (p61 of band) |
| Vehicle delinquency | 0.23% (p29 of band) |
| Vehicle NCO | 1.16% (p86 of band) |
| Repossessed % of vehicle book | 0.16% (p90 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 17% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 10% |
| Average share balance | $4,709 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $11,375 |
| Loans granted, annualized | $407.3M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | charge-offs p90, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | 3rd-party paper>100% NW | repo signal |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-09-25 [Credit unions go shopping - Florida Trend](https://news.google.com/rss/articles/CBMieEFVX3lxTE5mNFNVV3FpcDI0QWxrQThHSU5PUC1rakxIY2gzOFhHV1V6ME8tS3JjMjhoaDl5TjV5bkoyZnFuMmlQamgzODR5dHJRXzJJYnNOZkdEQlhNREV2eXRvaXo5VFNMRlk0NFBkUU96RXk5a3J6ZlNudk9KQg?oc=5) · Florida Trend
- 2018-10-15 [Historical Society honors James W. “Chief” Wilson - Orange County Regional History Center](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5VYk5IcHlLSmJvRUNSNUVwOU5pbk1Ka09RUHZmMjB0YTVmdzRoMHRjUjRmYlMzdExybkgwWE1QVXU4QUxVbHRLNUFhUkNRU1RhdVc3WGNCNVhyNmdPcTBqZGs4ZVpJZw?oc=5) · Orange County Regional History Center
- 2009-03-09 [Obituary information for Michael M. Wilson - Osceola Memory Gardens](https://news.google.com/rss/articles/CBMie0FVX3lxTE5iZ2phdk40VDB2TjVQQ21haUN1aG5DVFhxWVpDRlJYNi0yQnJ5X2pteTJTRzhZbEk0Mkxpdi1ySllZR0d2VDlaU19Xc3g4MnFGZmRrXzlNdU1vS09ELXdaUnZ2V19lSFE3NlIzMTRfVFVTdFo3QlhZa1hQVQ?oc=5) · Osceola Memory Gardens
- 2023-08-02 [Carlene Glander Obituary - Gotha, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOd1pUcUJERzZjTUpidW15QVdRd0tjbVBqUER3Vmd6cDhOZEJuTldNTnJ5WWhJcURTRElTMmxtU21nSjU3dGpYRkw5blg4NmJiRUNka0RGTEtuUkhxMEdsMXlIZ282LVF5ZUhJRzBPZ3VRc1NUeWp5Zi1Ud2N5SExjblVR?oc=5) · Dignity Memorial
- 2012-04-15 [James Von Dyke Obituary (2012) - Osceola, FL - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPYTJIcU9HY3FoWkpyQnpZY0RHWGV3d2Y2VDJqTFhFZFM2V3haS2xhM19id29reFVEaEJxWUlnRXFSb3RLTXRUS0hiLXNfSDZoY3VBcVFoclkxTXRpbnY3RHIyc0JzcTFzQ0x0Tkp4ZG1QM1JIWWNXOUJITG1WOFRNeUxla0hZZw?oc=5) · legacy.com
- 2004-06-02 [Jeffrey Carter Obituary (2004) - Orlando, FL - Orlando Sentinel - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPdHJfVUFwTkN2SkdtQUxVeHZUMkEtM3p1YXpYUjBnVUk5ZUp0SWRRNTl2TUdFUi13aVVETUh1VEFvYThXSW8wVHBLRFJPdGM5SDdfQVdibXViVGswNm4wQ3lPWklDQnJkSndUOTYtVmZOb014N0RaVXlpODZfVUFFVGlCdThNb1JvTllIWHpYOGxBeGZ3bDMyUg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1976 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "1976", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1976
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide