Educators vs Focus
Comparing a Credit Union in Racine, WI with a Credit Union in Menomonee Falls, WI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Educators ↗ Credit Union · Racine, WI · Est. 1937 | Focus ↗ Credit Union · Menomonee Falls, WI · Est. 1964 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Racine, WI | Menomonee Falls, WI |
| Total assets | $3.9B | $61.3M |
| Net worth ratio | 13.9% | 13.8% |
| Return on assets | 1.6% | 1.3% |
| Shares & deposits | — | — |
| Members | 232,112 | 6,438 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 99 | #6 of 99 |
| Established | 1937 | 1964 |
Educators
- Assets: $3.9B
- Members: 232,112
- Capital ratio: 13.9%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #5 of 99
Focus
- Assets: $61.3M
- Members: 6,438
- Capital ratio: 13.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #6 of 99
Are both institutions federally insured?
Yes. Educators is NCUA-insured and Focus 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 Focus?
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 Focus safe?
Yes — Focus 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 Focus?
Educators has a net worth ratio of 13.9%, placing it in the top 11% of $1B–10B peers. Focus's ratio is 13.8%, placing it in the bottom 47% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Educators have compared to Focus?
The CFPB database shows 0 complaints against Educators, and 0 complaints against Focus. 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.
