# EDUCATIONAL EMPLOYEES
FRESNO, CA · NCUA charter 60520 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/educational-employees-60520

Who the members are: state charter, organized 1934, low-income designated. 400,720 members of 2,003,600 potential (20.0% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $5.38B |
| Members | 400,720 (3.5% YoY) |
| Full-time staff | 574 |
| Net worth | $756.8M |
| Net worth ratio | 14.1% (p90 of band) |
| ROA (annualized) | 1.77% (p97 of band) |
| Total delinquency | 0.20% (p8 of band) |
| Net charge-offs (annualized) | 0.48% (p47 of band) |
| Loans / shares | 49% (p3 of band) |
| Cash / assets | 11.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.03% (p31 of band) |
| Operating expense / assets | 2.32% (p12 of band) |
| Vehicles % of loans | 45% (p85 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.07% (p1 of band) |
| Vehicle NCO | 0.19% (p4 of band) |
| Repossessed % of vehicle book | 0.03% (p32 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 26% |
| Average share balance | $5,802 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,610 |
| Loans granted, annualized | $577.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | net worth falling, margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-01 [Educational Employees Credit Union Data Breach Exposes SSNs - ClassAction.org](https://news.google.com/rss/articles/CBMilwFBVV95cUxPUVY5SjJHeWE3VFZGTEU2ajlEdDZVZjNmRHpsTmt1VExJc1VfQmN0SGpudDRSMF9jMjBOLXhpVVFqeWV0a2NlR2FpRWhUSHBvZlhYMWRUcmFRdE0ydzExc0hkZVNFWDhvQWhkUDMxc3ZBUHA0ekFVY1dmNWJuSXN0WjFtMFpXaXdyTElpengzU0FaaXlqZzJZ?oc=5) · ClassAction.org
- 2026-06-03 [Educational Employees Credit Union Data Breach: Edelson Lechtzin LLP Launches Investigation Into Exposure of Personal Information - PR Newswire](https://news.google.com/rss/articles/CBMikgJBVV95cUxOM3Q2QnVDLVhkS2pDNDdLLTRWaTZqRUxxNFoxS254VjlaQVJZWlV1OFpGdFFHVTFxa1NEWC14Y0pLd29JNFRsZDViVWw4YWFOV3lrNlZUSkplM3FCMldOdEd4TkpJQ2RhUDhwSklieXJtZGhXNFV4ZnBzMExrRDFDQ1hYXy1Eb0dhNEpRTTR3WXl4V2E2dGlZZXRNMzg2eWZXTUk4a0N3LUJ4aTUxTVJwNDI4UTBqenRxdzB1bnV2TUJUd2VWcUZLVFE0MFRMejNzWFpHRlZlNVZITTd0bUhSVHBlcGV0YVlNQmRqYU1UdjlGR2ZxQ1BkMDl0TENYRHZiS2hZLTVHTzdrZGVNTDZzU0pB?oc=5) · PR Newswire
- 2026-06-03 [Educational Employees Credit Union Data Breach Exposes SSNs - Claim Depot](https://news.google.com/rss/articles/CBMihAFBVV95cUxPLWd4djMzRWJpWFZEa0xqLU9KMTFSS0FyaWh6NFZJMHpyZ05oLWprS2dkQ04wQUZDdUdpeFp3VEk2VktQeGdGM1R0azhVOVE2LUhSRkY5cWpKYjhRQTVaVFdKdU5qM1lVeVF0VUVHWGZSOEJEcEliUzR2NU1vYjRmVzJqTmQ?oc=5) · Claim Depot
- 2025-07-29 [Educational Employees Credit Union honored for commitment to Valley - ABC30 Fresno](https://news.google.com/rss/articles/CBMimAFBVV95cUxPbFZJQTN5VlNKTTZTRjV3RWc4QTJ6bFhoakdqcmNRWlNJWTlyNzZoNHpVRHc1eVdCeGZISWNFSmpWYldqcmRtLWcyeThJQ2k3d0pIVWR4TEtoaXY4R2JvVjluWV9rOGNFTkFLOWg3OVprZ2MwNzczaVRJTGVqUGJMXzRkMFFYc2Z0RUxVQkU3S3hDcS1hX2xjc9IBngFBVV95cUxPcmFjanBHV3h2YlByMXdjV043RkZXVGZNaHZiQVpDWldxeHhEUUpSWE5MQlZqZ3lxNDhkUjcxR1o3R2JHWmhLaWFyUFVEYmx6Z0NPdm1RNEJzQVhHRS05bmpvcG9jMXp1Mk9kZ0FrREE4VFd3aUtvUUlqakVSYVZSZHVsd3BkSWdTOThCLXNkNkU4S05lMThYNWswaTV6Zw?oc=5) · ABC30 Fresno
- 2025-09-04 [EECU surpasses $5 billion in assets, marking historic milestone in member growth and community impact - CUInsight](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPakJQQ1FvQ05MbUExRnJlaUJoV25rR3NvUlIxbzBxSm5pTENhMS1VcDY0V3BRbVhBcDBHUFQtdlJ6MkpNX3JUY0lyYi1uVU5wdmxvQ1BSTXlUTmJndHdiXzhvVmU3aERHbmVzeGQ4WnIxMnhfSFpCTWVpRlFGcVpOQjl1ZFBjMVBCOUJIaldfSmdGXzEtWVRaRjFLNXBtdW1TODlCRUw0RjFJQ1JhX0t3RUZlSTlUaGszM0VibW01cFBDYmFNazZSbjRtRUxfZmJVcUVveFdPdw?oc=5) · CUInsight
- 2026-06-11 [EECU data breach prompts investigation into potential legal claims - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbG9UNWp0R29wcnJOdkwzeXprMGJFZ21zbjBvU2k0ZWtqcTZDMUptdjN2SF9GMjdlV1k0bjQxeGlmbGxCU3B4bEVhSXQ4dnBrYVA0cFNXRmNtYkx3UVNVRW9aR2J4dmExLWZqOGZNZGF0QUQ1X3VUbTZRYlVIN1VNTkFVb25mdjUtc0t4cGRaeDlKQnc?oc=5) · thebusinessjournal.com
- 2019-10-14 [Educational Employees Credit Union is proud to bring you the Pledge of Allegiance at Kirk Elementary - YourCentralValley.com](https://news.google.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?oc=5) · YourCentralValley.com
- 2023-10-03 [Educational Employees Credit Union opens branch in Paso Robles - Paso Robles Daily News](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSWVJT3kwT3NBX3RBR2pQRzBwTFlQMnRFRWpGaEdrcmMwcVh3VGdQTzd4cmdHSEM3enh4dms2aU9kNHNsbUhydFZoVExib3NaWnRFdE96QkUwempvTnlveTFFcnRxdldteWJoaExDR01mbWt2MTBxcUJiRlVMbWZhZlhKY1ZzT291WkdXV2M4NmMzNy1IdFE4MDluZHBNM0RkNlhjNQ?oc=5) · Paso Robles Daily News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60520 (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/40.json (key "60520", 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=60520
- 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.

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