Charter 176 · Miami, FL
Educational Federal Credit Union
Educational Federal Credit Union is a federally chartered credit union in Miami, Florida, with $1.84 billion in assets and 122,426 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.45%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as EdFed.
- Total assets
- $1.84 billion
- +5.7% in a year
- Members
- 122,426
- +6.5% in a year
- Net worth ratio
- 15.45%
- Peer median 10.79%
- Loans 60+ days late
- 0.61%
- Peer median 0.67%
- Loans outstanding
- $1.13 billion
- +14.2% in a year
- Shares and deposits
- $1.55 billion
- +5.3% in a year
- Branches
- 9
- 332 employees
- Opened
- 1935
- Federal charter
How Educational Federal Credit Union compares
NCUA groups credit unions by size; Educational Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 15.45% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.61%, is lower than the group median of 0.67%. Loans grew 14.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 17 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.84 billion | 122,426 | $1.13 billion | 15.45% | 0.61% |
| Q1 2026 | $1.80 billion | 119,576 | $1.13 billion | 15.57% | 0.44% |
| Q4 2025 | $1.76 billion | 117,120 | $1.09 billion | 15.71% | 0.74% |
| Q3 2025 | $1.73 billion | 116,191 | $1.03 billion | 15.80% | 0.63% |
| Q2 2025 | $1.74 billion | 114,909 | $993 million | 15.54% | 0.60% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 673,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 10 sites for Educational Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Kendall (main office)
7800 Sw 117Th Ave, Miami, FL 33183 - Downtown
1498 Ne 2Nd Ave, Miami, FL 33132 - Miami Lakes
5890 Nw 158Th St, Miami Lakes, FL 33014 - Homestead
16460 Sw 304Th St, Homestead, FL 33033 - Kendall
7800 Sw 117Th Ave, Miami, FL 33183 - Miami Gardens
18975 Nw 2Nd Ave, Miami, FL 33169 - Palmetto Bay
17500 S Dixie Hwy, Miami, FL 33157 - 27th Avenue Branch
2310 Sw 27Th Ave, Miami, FL 33145 - Miramar Park Place
11295 Miramar Pkwy, Miramar, FL 33025 - Miami Dade College, North Campus
11380 Nw 27Th Ave, Miami, FL 33167
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology