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
Call Report peers
Big Spring Education Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Big Spring Education Employees sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Texas, Paris District (#229) ties at 81/100; one place down, Metro Medical (#231) ties at 81/100.
Big Spring Education Employees Call Report trajectory
Big Spring Education Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $55.3M (2025Q4) to $55.8M (2026Q1).
- Net-worth ratio shifted +0.66 pp (17.19% → 17.85%).
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
Big Spring Education Employees gives up 19 points in total. Delinquency Rate costs the most, 10.4 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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Big Spring Education Employees nationwide neighbourhoods
Similar total assets
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
Frequently Asked Questions
Is Big Spring Education Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Big Spring Education Employees scores 81/100 (Excellent), with a 17.85% net worth ratio and 1.72% of loans delinquent. It ranks #2,537 of 4,374 nationally on health and #230 of 386 in Texas.
How does Big Spring Education Employees compare to other credit unions?
Big Spring Education Employees scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.85% vs 13.62%). Its widest shortfall is loan-to-share ratio (47.33% vs 62.60%).
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?
Big Spring Education Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.