Federal credit union · BIG SPRING, Texas · NCUA charter #10577
Big Spring Education Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $55.3M
- Total assets
- 4,293
- Members
- 17.8%
- Net-worth ratio
Big Spring Education Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.3M; members 4,293; net-worth ratio 17.85%; health rank #2,537 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,537 of 4,374 health · 2025Q4Big Spring Education · health 81/100 · $55.3M · 2025Q4
- ASSETS 81/100
- MEM 17.8%
- RANK 1.72%
- PHOTO 0.72%
- BOOK $55.3M
- CHARTER 4,293
- NCUSIF #2,537/4,374
- CAMELS OLYMPIA
- HEALTH 10577
Call Report peers
Big Spring Education Employees in the assets neighbourhood
Big Spring Education Employees's $55.3M assets sit next to OLYMPIA ($55.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Big Spring Education Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Big Spring Education Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10577 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Big Spring Education Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 17.85% vs peer 13.62% (+4.23 pp).
- Loan-to-Share Ratio trails the peer set - 47.33% here, 62.60% peer average (-15.27 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Big Spring Education Employees in Texas
- Health composite ranks #230 of 386 among scored Texas credit unions.
- By total assets, Big Spring Education Employees is #185 of 386 in Texas.
- Texas membership ordinal: #190 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Big Spring Education Employees Call Report trajectory
Big Spring Education Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $55.3M (2025Q4) to $55.8M (2026Q1).
- Net-worth ratio shifted +0.66 pp (17.19% → 17.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.6 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 9.9 pts
Big Spring Education health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.85% | +4.23 pp |
| Delinquency Rate | 1.72% | +0.75 pp |
| Return on Assets | 0.72% | +0.06 pp |
| Member Growth | 2.04% | - |
| Loan-to-Share Ratio | 47.33% | -15.27 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Big Spring Education filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.8M | - |
| 2025Q4 | $55.3M | 4,293 |
| 2024Q4 | $57.7M | 4,207 |
| 2023Q4 | $58.3M | 4,151 |
Credit Union Details
- Charter Number
- 10577
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Texas
- City
- BIG SPRING
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Big Spring Education Employees, spread across 2 cities.
| Office | City |
|---|---|
| BIG SPRING EDUCATION EMPLOYEES FCU (Main Office) | BIG SPRING, TX |
| BIG SPRING EDUCATION EMPLOYEES FCU | COLORADO CITY, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Big Spring Education Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Big Spring Education Employees, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($55.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Big Spring Education Employees ranks #2,537 of 4,374 nationally on financial health and #230 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MY
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Big Spring Education Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Big Spring Education Employees carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,537 of 4,374; by total assets it ranks #2,326 of 4,374 nationally (same basis as /rankings/largest); and #185 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.85% net worth ratio and a 1.72% delinquency rate.
How does Big Spring Education Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Big Spring Education Employees's 81/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Big Spring Education Employees?
Big Spring Education Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Big Spring Education Employees directly for the exact boundaries and application steps.
Is my money safe at Big Spring Education Employees?
Federal credit unions like Big Spring Education Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Big Spring Education Employees's net worth ratio of 17.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Big Spring Education Employees offer compared to banks?
Credit unions like Big Spring Education Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Big Spring Education Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.