Charter 67611 · Waco, TX
Educators Credit Union (Waco, TX)
Educators Credit Union is a state-chartered credit union in Waco, Texas, with $610 million in assets and 27,329 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 20.32%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $610 million
- +5.2% in a year
- Members
- 27,329
- -0.1% in a year
- Net worth ratio
- 20.32%
- Peer median 10.79%
- Loans 60+ days late
- 0.17%
- Peer median 0.67%
- Loans outstanding
- $138 million
- -7.9% in a year
- Shares and deposits
- $485 million
- +3.5% in a year
- Branches
- 8
- 50 employees
- Opened
- 1938
- Texas charter
How Educators Credit Union compares
NCUA groups credit unions by size; Educators Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 20.32% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.17%, is lower than the group median of 0.67%. Loans fell 7.9% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 54 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $610 million | 27,329 | $138 million | 20.32% | 0.17% |
| Q1 2026 | $604 million | 27,453 | $143 million | 19.90% | 0.17% |
| Q4 2025 | $593 million | 27,492 | $147 million | 19.70% | 0.17% |
| Q3 2025 | $583 million | 27,490 | $147 million | 19.48% | 0.12% |
| Q2 2025 | $580 million | 27,359 | $150 million | 19.04% | 0.13% |
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 600,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for Educators Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- TSTC
100 Bolling Dr, Waco, TX 76705 - COPPERAS COVE
201 E Robertson Ave, Copperas Cove, TX 76522 - GATESVILLE
306 S Lovers Ln, Gatesville, TX 76528 - ROBINSON
641 N Robinson Dr, Robinson, TX 76706 - MAIN (main office)
501 W State Highway 6, Waco, TX 76710 - HEWITT
501 S Hewitt Dr, Hewitt, TX 76643 - LAKESHORE
2400 Lake Shore Dr, Waco, TX 76708 - Trojan Branch
3201 S New Rd, Waco, TX 76706
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