Educators vs Firefighters
Comparing a Credit Union in Racine, WI with a Credit Union in Onalaska, WI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Educators ↗ Credit Union · Racine, WI · Est. 1937 | Firefighters ↗ Credit Union · Onalaska, WI · Est. 1931 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Racine, WI | Onalaska, WI |
| Total assets | $3.9B | $130.7M |
| Net worth ratio | 13.9% | 16.0% |
| Return on assets | 1.6% | 1.3% |
| Shares & deposits | — | — |
| Members | 232,112 | 4,919 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 99 | #2 of 99 |
| Established | 1937 | 1931 |
Educators
- Assets: $3.9B
- Members: 232,112
- Capital ratio: 13.9%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #5 of 99
Firefighters
- Assets: $130.7M
- Members: 4,919
- Capital ratio: 16.0%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #2 of 99
Are both institutions federally insured?
Yes. Educators is NCUA-insured and Firefighters is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Educators or Firefighters?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Educators scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Educators safe?
Yes — Educators is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Firefighters safe?
Yes — Firefighters is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Educators vs Firefighters?
Educators has a net worth ratio of 13.9%, placing it in the top 11% of $1B–10B peers. Firefighters's ratio is 16.0%, placing it in the top 10% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Educators have compared to Firefighters?
The CFPB database shows 0 complaints against Educators, and 0 complaints against Firefighters. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Educators with other Credit Unions in Wisconsin
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
