EDUCATIONAL Credit Union Profile

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EDUCATIONAL

Charter #176 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (305) 270-5200

Fax:

Founding Date: N/A

Website: http://www.edfed.org

Personnel & Operations

President: Archer, Claude

Manager: DiBenedetto, Michael

FT Employees: 306

PT Employees: 19

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 8

Hours: VARIOUS

Credit Union Profile Summary

EDUCATIONAL is a FCU Credit Union. With a total of 114,909 members [1], this institution manages approximately $1,744,604,527 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.54% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 12.50% [1].

Financial Snapshot

Total Assets [1]
$1,744,604,527

Total economic resources.

Total Loans [1]
$993,385,639

Total value of outstanding loans.

Total Deposits [1]
$1,475,353,056

Total funds deposited by members.

Members [1]
114,909

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.54%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.82%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
67.33%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
4.18%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
12.50%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
8.80%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

7800 SW 117TH AVE

MIAMI, FL, 33183-3825

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 8 branches reported by EDUCATIONAL (Charter #176).

Main Office

Kendall Main Office

Type: Corporate Office

7800 SW 117th Ave

Miami, FL 33183-3825

Phone: (305) 270-5200

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Homestead

Homestead

Type: Branch Office

16460 SW 304th St

Homestead, FL 33033-3260

Phone: (305) 248-8006

Services: Member Services

Open in Directions

Miami

27th Avenue Branch

Type: Branch Office

2310 SW 27th Ave

Miami, FL 33145-3642

Phone: (305) 270-6640

Services: Member Services, ATM, Drive-Thru

Open in Directions

Downtown

Type: Branch Office

1498 NE 2nd Ave

Miami, FL 33132

Phone: (305) 379-0621

Services: Member Services, ATM

Open in Directions

Kendall

Type: Corporate Office

7800 SW 117th Ave

Miami, FL 33183-3825

Phone: (305) 270-5200

Services: None specified

Open in Directions

Miami Gardens

Type: Branch Office

18975 NW 2nd Ave

Miami, FL 33169

Phone: (305) 914-3939

Services: Member Services, ATM, Drive-Thru

Open in Directions

Palmetto Bay

Type: Branch Office

17500 S Dixie Hwy

Miami, FL 33157

Phone: (305) 964-4000

Services: Member Services, ATM, Drive-Thru

Open in Directions

Miami Lakes

Miami Lakes

Type: Branch Office

5890 NW 158th St

Miami Lakes, FL 33014-6722

Phone: (305) 556-4311

Services: Member Services, ATM

Open in Directions