EDUCATIONAL
Federal • MIAMI, Florida • Est. 1935
Quick Facts
- Charter Number
- #176
- Type
- Federal
- Established
- 1935
- Headquarters
- MIAMI, Florida 33183-3825
- Address
- 7800 SW 117TH AVE
- Branches
- 10
- ATMs
- 8
- Members
- 117,120
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
117,120 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EDUCATIONAL |
|---|---|
| Total Assets | $1.8B |
| Members | 117,120 |
| Loans Outstanding | $1.1B |
| Shares & Deposits | $1.5B |
| Net Worth | $275.9M |
| Net Worth Ratio | 15.71% |
| Loan-to-Share Ratio | 73.9% |
| Delinquency Rate | 0.74% |
| Net Income | +$19,484,728 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
10 locations · 8 ATMs
Kendall
Main Office7800 SW 117th Ave
Miami, FL 33183-3825
Downtown
1498 NE 2nd Ave
Miami, FL 33132
Miami Lakes
5890 NW 158th St
Miami Lakes, FL 33014-6722
Homestead
16460 SW 304th St
Homestead, FL 33033-3260
Kendall
7800 SW 117th Ave
Miami, FL 33183-3825
Who Can Join EDUCATIONAL?
Membership Type: Community
Membership eligibility for EDUCATIONAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact EDUCATIONAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. EDUCATIONAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EDUCATIONAL has 117,120 members and a potential membership field of 652,000 people.
EDUCATIONAL's net worth ratio is 15.71% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.7%, EDUCATIONAL meets this threshold.
EDUCATIONAL operates 10 branch locations and has access to 8 ATMs. The main office is located at 7800 SW 117th Ave, Miami, FL 33183-3825.
EDUCATIONAL was established in 1935. It is a federal credit union chartered under charter number 176. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EDUCATIONAL. All financial data is for informational purposes only.