Federal credit union · Beaumont, Texas · NCUA charter #24470
Education First
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $590.5M
- Total assets
- 32,486
- Members
- 8.8%
- Net-worth ratio
Education First scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $590.5M; members 32,486; net-worth ratio 8.82%; health rank #3,420 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,420 of 4,374 health · 2025Q4Education First · health 73/100 · $590.5M · 2025Q4
- NW 73/100
- DELQ 8.8%
- ROA 0.74%
- ASSETS -0.69%
- MEM $590.5M
- RANK 32,486
- PHOTO #3,420/4,374
- BOOK National Police
- CHARTER 24470
Call Report peers
Education First in the assets neighbourhood
Education First's $590.5M assets sit next to National Police ($589.5M) 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.
Education First 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
73 21st percentile higher than 21% 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 First - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24470: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Education First
- Delinquency Rate leads the peer set - 0.74% here, 0.87% peer average (-0.13 pp).
- Largest lag: Loan-to-Share Ratio at 66.74% vs peer 83.90% (-17.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Education First in Texas
- In Texas, health place is #300 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #59 of 386.
- Membership ranks #65 of 386 among Texas CUs with a reported count (32,486 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Education First: 2025Q4 → 2026Q1
Education First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $590.5M (2025Q4) to $589.9M (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.73% → 8.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 22.6 pts
- Return on Assets 0.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.82% | -2.36 pp |
| Delinquency Rate | 0.74% | -0.13 pp |
| Return on Assets | -0.69% | -1.19 pp |
| Member Growth | -0.10% | - |
| Loan-to-Share Ratio | 66.74% | -17.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Education First
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $589.9M | - |
| 2025Q4 | $590.5M | 32,486 |
| 2024Q4 | $605.7M | 32,520 |
| 2023Q4 | $628.7M | 32,607 |
Credit Union Details
- Charter Number
- 24470
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Beaumont
- Data Quarter
- 2025Q4
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for Education First, spread across 6 cities.
| Office | City |
|---|---|
| Education First Federal Credit Union - Administration (Main Office) | Beaumont, TX |
| Access Corp | Beaumont, TX |
| Education First Federal Credit Union | Beaumont, TX |
| Education First Federal Credit Union | Beaumont, TX |
| Education First Federal Credit Union | Beaumont, TX |
| Education First Federal Credit Union | Jasper, TX |
| Education First Federal Credit Union | Kountze, TX |
| Lumberton Branch | Lumberton, TX |
| Education First Federal Credit Union | Silsbee, TX |
| Education First Federal Credit Union | Woodville, 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 First
Cross-state asset and health neighbours for Education First - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($590.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Education First ranks #3,420 of 4,374 nationally on financial health and #300 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDUCATORS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDUCATORS
- 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 Education First financially healthy?
Education First has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,420 of 4,374; by total assets it ranks #686 of 4,374 nationally (same basis as /rankings/largest); and #59 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.82% and delinquency rate of 0.74%.
How does Education First compare to other credit unions?
Five weighted metrics from NCUA filings produce Education First's 73/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 Education First?
Education First 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 Education First directly for the exact boundaries and application steps.
Is my money safe at Education First?
Federal credit unions like Education First 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. Education First's net worth ratio of 8.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Education First offer compared to banks?
Credit unions like Education First 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 Education First 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.