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
Call Report peers
Education First in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Education First sits in 70-74 with 317 others.
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
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).
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).
- One place up in Texas, La Joya Area (#299) ties at 73/100; one place down, Salt Employees (#301) scores 72/100, 1 point lower.
Education First: 2025Q4 → 2026Q1
Education First: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $590.5M (2025Q4) to $589.9M (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.73% → 8.82%).
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
Education First gives up 27 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 0.7.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Education First financially healthy?
Education First has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,420 of 4,374 nationally on health and #300 of 386 in Texas. Its net worth ratio is 8.82% and its delinquency rate 0.74%.
How does Education First compare to other credit unions?
Education First scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.74% vs 0.87%). Its widest shortfall is loan-to-share ratio (66.74% vs 83.90%).
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?
Education First 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. Education First's net worth ratio of 8.82% 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.