# EDUCATORS
WACO, TX · NCUA charter 67611 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/educators-67611

Who the members are: state charter, organized 1938. 27,453 members of 500,000 potential (5.5% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 28.

**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 | $604.0M |
| Members | 27,453 (-1.2% YoY) |
| Full-time staff | 36 |
| Net worth | $120.2M |
| Net worth ratio | 19.9% (p98 of band) |
| ROA (annualized) | 2.21% (p98 of band) |
| Total delinquency | 0.17% (p9 of band) |
| Net charge-offs (annualized) | 0.04% (p5 of band) |
| Loans / shares | 30% (p1 of band) |
| Cash / assets | 5.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.15% (p29 of band) |
| Operating expense / assets | 1.29% (p1 of band) |
| Vehicles % of loans | 59% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 40% |
| Third-party paper % of net worth | 29% (p30 of band) |
| Vehicle delinquency | 0.22% (p15 of band) |
| Vehicle NCO | 0.01% (p2 of band) |
| Repossessed % of vehicle book | 0.05% (p51 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 33% |
| Average share balance | $9,123 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $18,880 |
| Loans granted, annualized | $54.5M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 0 |  | repo signal |
| 2016-12 | 1 | auto monoline |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | members leaving |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | members leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | 3rd-party paper>100% NW |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | margin squeeze | delinquency rising |
| 2021-06 | 3 |  | margin squeeze |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 | loan book shrinking | 3rd-party paper>100% NW, net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | delinquency rising |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | delinquency rising | loan book shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | auto monoline |
| 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
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2025-09-22 [WT, Education Credit Union to Recognize Top Area Teachers - West Texas A&M University | WTAMU](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSlMyaDBUMEZ2S000aHRobDBtSnlyVFN0ay1OcHkxYUYtY19ZNDlnX0otaW5LMHQwb1NZbGluTTRRaXpDbVdINmlMakc3T2NzY0dHUE9PY2hqMlBmM21jWm1rbzdKS19kekFldGVvaW4xZE5IUEh1d2M1clNlN1RRejZERWdsa2FBQkFyUWQyRUM5czBkcGQ1NmsxaDk?oc=5) · West Texas A&M University | WTAMU
- 2026-02-23 [Wesley John Davis Obituary December 1, 2025 - Harper Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE51akc2TzFoMklkcFVPZHptOUtMSHBnenlXMjk3M3BCVTRWYm1KOUtDcThySFVQWlN4Y2llTE1VZlk1WmNZWlJJbTRVUzB4QnpMUXJiNXFBOG1IazJ4eHRZRHVKMWx2Umx1ekE?oc=5) · Harper Funeral Home
- 2019-11-26 [Educators Credit Union November Student Choice Award - KXXV](https://news.google.com/rss/articles/CBMioAFBVV95cUxNOHZQYlR5S0hFX0V2dFFuREtmRFBKeUlWcWFyeTU5ODNGcnBhVFdiVm9ycFluN2tFNUYwcGZrUXByblEyY1lmWkNScWIwc0ZqNmo0VEVvak84S0h2OGI3VGltNk1BdHJNanNyZ0pUenhGeTRtdTBJWDlURTJjSTA2Q1lBblR5SFBRZE5XLVVuWkxXY3QxNFBkd29jZlI2bkt5?oc=5) · KXXV
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2025-06-04 [First Community Credit Union Expands Membership to 16 Texas Counties - Hello Woodlands](https://news.google.com/rss/articles/CBMinAFBVV95cUxPaUkzUnpLNlpFNTE0UHhwY1Z4LUdkd25NOUxKQWFpSVFEUW9aUHloMzZBLUlVTnlnR2pydU10WkxwbEJnYTY2UVJKR1Mta3pueW1ORUUyWTNjRzBDcmhDd1FPaW9IcnViSTlKdW5VRE1OYlZXME9WMnNfdXRINVVqQzNCZW5zdHV5Ry1RSGJ1NW9LUzNYbnlaWjhNNTU?oc=5) · Hello Woodlands
- 2024-10-02 [David Lee Obituary Jan 15, 2014 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBqSmZrdFNFd2xaNUJ4Z3g5eG1sdEwzV3R0dnRvNzM3WW9OQUc1X3dZUDVrbHlCd243SUJoeDhKblVVTVZmZTNaLUFvMW9DcU1seGp6RTMyT3ZJdw?oc=5) · Wilkirson-Hatch-Bailey Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67611 (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/27.json (key "67611", 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=67611
- 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