EDU Credit Union Profile

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EDU

Charter #8609 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (302) 613-5330

Fax: (302) 613-5350

Founding Date: N/A

Website: HTTP://WWW.EDUFCU.ORG

Personnel & Operations

President: Smith, Nancy

Manager: France, Terri

FT Employees: 8

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 1

Hours: M-F 9am-4:30pm and Sat 9am-12pm

Credit Union Profile Summary

EDU is a FCU Credit Union. With a total of 8,483 members [1], this institution manages approximately $45,861,480 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 6.42% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 7.81% [1].

Financial Snapshot

Total Assets [1]
$45,861,480

Total economic resources.

Total Loans [1]
$21,317,997

Total value of outstanding loans.

Total Deposits [1]
$42,038,559

Total funds deposited by members.

Members [1]
8,483

Number of active members.

Performance Ratios

Net Worth Ratio [1]
6.42%

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]
0.59%

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

Loan-to-Share Ratio [1]
50.71%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -4.74%

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

Loan Growth (4Q) [1]
↑ 7.81%

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

Member Growth (4Q) [1]
↓ -4.33%

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

Headquarters Location & Map

Headquarters Address

113 W 6th St

Historic New Ca, DE, 19720-5070
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by EDU (Charter #8609).

Main Office

Main Main Office

Type: Corporate Office

113 W 6th St

Historic New Castle, DE 19720-5070

Phone: (302) 613-5330

Services: Member Services

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Additional Branches

Middletown

AHS Branch

Type: Branch Office

1080 Bunker Hill Rd

Middletown, DE 19709

Phone: (302) 449-3840

Services: None specified

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MHS Branch

Type: Branch Office

120 Silver Lake Rd

Middletown, DE 19709

Phone: (302) 376-4141

Services: Member Services

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