State credit union · Amarillo, Texas · NCUA charter #67494
EDUCATION
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $476.8M
- Total assets
- 41,649
- Members
- 12.1%
- Net-worth ratio
EDUCATION scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $476.8M; members 41,649; net-worth ratio 12.14%; health rank #3,097 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,097 of 4,374 health · 2025Q4EDUCATION · health 77/100 · $476.8M · 2025Q4
Call Report peers
EDUCATION in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EDUCATION vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EDUCATION sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
EDUCATION vs $100M–$500M peers
- Largest favorable gap: Loan-to-Share Ratio at 92.57% vs peer 72.20% (+20.37 pp).
- Widest shortfall vs peers is Return on Assets: -0.95 pp (-0.33% vs 0.62%).
Where EDUCATION sits in Texas
- Health composite ranks #272 of 386 among scored Texas credit unions.
- Assets rank #67 of 386 inside Texas ($476.8M reported).
- Member book place in Texas: #56 of 386.
- One place up in Texas, Port Arthur Community (#271) ties at 77/100; one place down, CITY (#273) ties at 77/100.
EDUCATION: 2025Q4 → 2026Q1
EDUCATION: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $476.8M (2025Q4) to $474.0M (2026Q1).
- Net-worth ratio shifted -0.10 pp (12.24% → 12.14%).
This credit union's 12.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
EDUCATION gives up 23 points in total. Return on Assets costs the most, 13.5 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 1.5 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for EDUCATION
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.14% | +0.03 pp |
| Delinquency Rate | 1.12% | +0.23 pp |
| Return on Assets | -0.33% | -0.95 pp |
| Member Growth | 2.87% | - |
| Loan-to-Share Ratio | 92.57% | +20.37 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
EDUCATION filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $474.0M | - |
| 2025Q4 | $476.8M | 41,649 |
| 2024Q4 | $467.7M | 40,487 |
| 2023Q4 | $477.8M | 38,665 |
Credit Union Details
- Charter Number
- 67494
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Amarillo
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for EDUCATION, spread across 5 cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Amarillo, TX |
| I-40 Branch | Amarillo, TX |
| Hillside Branch | Amarillo, TX |
| Plum Creek Branch | Amarillo, TX |
| 45th Branch | Amarillo, TX |
| AmTech | Amarillo, TX |
| Badger Smart Branch | Amarillo, TX |
| Borger Branch | Borger, TX |
| Bushland | Bushland, TX |
| Canyon Branch | Canyon, TX |
| Canyon- VFW | Canyon, TX |
| Stinnett Branch | Stinnett, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for EDUCATION
Similar total assets
Using this data
- EDUCATION ranks #3,097 of 4,374 nationally on financial health and #272 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GENCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GENCO
Frequently Asked Questions
Is EDUCATION financially healthy?
On its 2025Q4 NCUA 5300 filing, EDUCATION scores 77/100 (Very Good), with a 12.14% net worth ratio and 1.12% of loans delinquent. It ranks #3,097 of 4,374 nationally on health and #272 of 386 in Texas.
How does EDUCATION compare to other credit unions?
EDUCATION scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.57% vs 72.20%). Its widest shortfall is return on assets (-0.33% vs 0.62%).
How can I join EDUCATION?
Membership eligibility for EDUCATION depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EDUCATION directly for current membership requirements and application steps.
Is my money safe at EDUCATION?
EDUCATION is a state-chartered 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. EDUCATION's net worth ratio of 12.14% 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.