# EDUCATORS
Racine, WI · NCUA charter 66448 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/educators-66448

Who the members are: state charter, organized 1937, low-income designated. 232,112 members of 4,296,788 potential (5.4% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. 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 | $3.89B |
| Members | 232,112 (-1.9% YoY) |
| Full-time staff | 483 |
| Net worth | $542.6M |
| Net worth ratio | 13.9% (p89 of band) |
| ROA (annualized) | 1.62% (p95 of band) |
| Total delinquency | 0.66% (p54 of band) |
| Net charge-offs (annualized) | 0.45% (p42 of band) |
| Loans / shares | 76% (p24 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 1.28% |
| Net interest margin | 3.25% (p46 of band) |
| Operating expense / assets | 3.13% (p44 of band) |
| Vehicles % of loans | 18% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 6% (p12 of band) |
| Vehicle delinquency | 0.41% (p29 of band) |
| Vehicle NCO | 1.16% (p59 of band) |
| Repossessed % of vehicle book | 0.05% (p42 of band) |
| Real estate % of loans | 65% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 30% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 15% |
| Average share balance | $5,589 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 24% |
| Average loan balance | $19,576 |
| Loans granted, annualized | $630.6M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | delinquency 2x band |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | loans>95% of shares |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 1 |  | net worth falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans>95% of shares |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | loans>95% of shares |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | charge-offs p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 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)

- 2026-06-08 [52 credit union leaders earn CUDE designation in June DE class of 2026 - CUInsight](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMWNHSl9CUXE1aFRCUGtabGttcW45OUVObFFuVTNXbC0zOUtTNURqZGFib2FPZ3VCUnQ1RlRNWjN6MzlUb1dNZUtoZTJ6VV9uZHA3RGIwTEZTeTVpR29rRTFRQ2twVjh5WThPTTRqSG5CZFhCNHZsUkhvS1gtbEdKcjBkTC1aVTh1SUZoX2tWUF83OGxfZHkzUzFieTRWZjJMZVFwNFFQSExndVhoUDU2ag?oc=5) · CUInsight
- 2024-01-16 [Educators Credit Union plans new HQ in Mount Pleasant - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOa2F0Q1RZVHItQjdzNlpjcHdfX1g5Y0NKZi1tNFd4YkdiV1JKZzFnWVdpZHRzY21mSWg5QzNZNVlPS1JwS213b0J6NnFpWmJoSS1DTDBsclYteWJLUlh0aDhuZ2owVHJSLTBBdlAtTjlEUlkxUlhtQXdZOGVXRTdhZQ?oc=5) · BizTimes - Milwaukee Business News
- 2026-02-01 [IN LOVING MEMORY OF Timothy Joseph Zarzecki - draeger-langendorf.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE1IUmdEc2ZaZUdwVF9ZMzlZeUFrLW1pcWtzTnNCRFBCQ1VxdHJWLUhDLWNodkN5S04wTkdMOFFDZXVNbDItdGNPTWgyZ1Q3Z0ZFbEdCQzFqeDNISVgwX1g5aFVvQmhweF9weTh6c1FSZw?oc=5) · draeger-langendorf.com
- 2023-10-11 [Bobby Portis, Educators Credit Union team up to offer financial education tools - OnMilwaukee](https://news.google.com/rss/articles/CBMidkFVX3lxTE1nUTNDbkhBaTVtal92R3lpeUJiMUVPaXNYS1d2bTB0V0dEdF9icTNQY2s3Q0JkekxmYzRwQW1KZzlfMTBncEY4eWVhcUx0dHhfdUlCT1MwdnhpbXB2WEdvb2tadjA0bXBLeThzVzdHcXhjMHJjNnc?oc=5) · OnMilwaukee
- 2024-03-13 [Mount Pleasant backs credit union’s new $17M headquarters with infrastructure funds - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMFJkdTFiVlMyMmZ1NXdyWVJ3ZUo1anpVYUJMT1RCeWNzd3hfSHVfWFJwdnhHLTVrZHJrQWZEUk9GRXlOaEdrNlZMSk5NN3c3d3MxU3pyRnFwS09UMVBQRmhXYnBWaGx2R0JrVF8xSTFhb0hlYTVJUmx3cnB1bHkxX2I0R0JjbkJrbFlvMWU1QzFkT1V1RFFQeGlYX1lkWEdpS2lKMHFGX2dFUjA?oc=5) · The Business Journals
- 2024-01-18 [Educators Credit Union to build new headquarters to Mount Pleasant - The Daily Reporter](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTXZFcmQwUk83Y191VHdqZUpUb1I0dFJlU0lzdC1Mbkk4X3RvNk9RanBBYnJPaktMYmNIYUZUR0ZmelE1WEQ2MUJLcWJnSWZuVGE2Sk1haHVsWjJzM0xkUXlYeXFSUXhrVng0TjFMZ0VBS0hZY3RORzlVaW00cl83d0ctRWl1SXlGNmEzWENzbFEtelpieldpaUplTldtcm9kX2lMbFNqRQ?oc=5) · The Daily Reporter
- 2024-01-23 [Educators Credit Union receives approval for new headquarters - Journal Times](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQVHNZOENudmY1bWVzUXhlUWVRc0psMTBPYnQ0U2RPWHpvZklxZVVhM1F1djdIYWZZX1dTYUNvTG9LQ3lISmotNlhaSFZ1MHFyRjZleU5jRGNpTk9FbUR1blozekM0cFlWbG82d2ozbXUzeFhrajRXWk5BWGllYm93NVRoY0FHTEU2NlZfZVVyZHNyR254Z0NiaWFPY2NwYkRmeU5PaTZFelBHNVJnanV5Vl9ZTGVrSzRsYTJQeGxzb1ZOalJ1YXJDQ0VvX29XNTZRc1BJY3ozUmpROWhpdEd5N3Nn?oc=5) · Journal Times
- 2023-12-01 ['Card cracking' scheme, man charged - FOX6 News Milwaukee](https://news.google.com/rss/articles/CBMifkFVX3lxTE5rT21ycjFINlJxUVN6Mmp2Vy1pX2M4eXdROVpiWHhqNGs2aHN0S05wNnA3QzQ5bl9nRDJ0Y1k0OTZROHBUS3VXeDIzWEJtbjlRWHhRYWZYb1NoWm9ZUVVOcTB0eGNWMVp6SEwyNWFEWi03M1lFb2ZwNTZzNVVwUdIBgwFBVV95cUxOYTNtWlZBYVdOMWRZdVM4czVISWJIbXRHdjBOb3RSc1FSSDRvcy1HblI4czRpWFhsRkhwY1FBXzh6N24xd2xrZ3hRTkY5Rkx5LV9vWU95dEJkdENkTFFldG9EZWlPQ0h5cVQ2aFcwSmJOU3lPWmNuMnN4SUFVZDdpeXhwNA?oc=5) · FOX6 News Milwaukee

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66448 (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/16.json (key "66448", 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=66448
- 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