Federal credit union · BIG SPRING, Texas · NCUA charter #10577
Big Spring Education Employees
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $55.3M
- Total assets
- 4,293
- Members
- 17.2%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)59
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)68
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.19% | 30% |
| Delinquency Rate | 1.72% | 25% |
| Return on Assets | 0.72% | 15% |
| Member Growth | 2.04% | 15% |
| Loan-to-Share Ratio | 47.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Big Spring Education Employees
The five-factor composite scores Big Spring Education Employees at 81/100 (Excellent), reflecting a net worth ratio of 17.19% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in BIG SPRING, Texas, reports 4,293 members, $55.3M in total assets, and $21.6M in outstanding loans as of Q4 2025 under charter #10577 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.72% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 47.33% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.72% on net income of $399K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.04%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 17.19% 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 17.19% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.