State credit union · Columbus, Ohio · NCUA charter #68447

Education First Credit Union, Inc.

Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

80
Health / 100
$146.7M
Total assets
12,154
Members
9.3%
Net-worth ratio

Education First Credit Union, Inc. - Share Insurance Coverage

Read from the 2025Q4 NCUA Call Report for charter #68447: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.

NCUSIF coverage gauge for Education First Credit Union, Inc. Share insurance under NCUSIF covers up to $250,000 per share owner. Education First Credit Union, Inc. holds approximately $127.9M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 9.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 9.3% · $127.9M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Education First Credit Union, Inc. - 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) 9.34% 30% weight
  • Asset quality (delinquency) 1.43% 25% weight
  • Earnings (ROA) 0.25% 15% weight
  • Member growth -0.18% 15% weight
  • Liquidity (loan-to-share) 80% 15% weight

Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 62.3%

9.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$146.7M
Total Assets
12,154
Members
$102.7M
Total Loans
$127.9M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 9.34% 30%
Delinquency Rate 1.43% 25%
Return on Assets 0.25% 15%
Member Growth -0.18% 15%
Loan-to-Share Ratio 80.28% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $146.7M 12,154
2024Q4 $144.8M 12,176
2023Q4 $137.1M 12,472

Credit Union Details

Charter Number
68447
Type
State
Field of Membership
Other
Peer Group
$100M–$500M
State
Ohio
City
Columbus
Data Quarter
2025Q4

What This Data Says About Education First Credit Union, Inc.

Charter #68447, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Education First Credit Union, Inc., a state credit union in Columbus, Ohio with 12,154 members, $146.7M in total assets, and $102.7M in outstanding loans as of Q4 2025. The five-factor composite scores it 80/100 (Excellent), helped by a net worth ratio of 9.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Two more numbers round out the picture: a 1.43% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 80.28% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.25% on net income of $374K 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 -0.18%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.

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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 Education First Credit Union, Inc. financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Education First Credit Union, Inc. carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.34% net worth ratio and a 1.43% delinquency rate.

How does Education First Credit Union, Inc. compare to other credit unions?

On PlainCU's health composite, Education First Credit Union, Inc. lands at 80/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Credit Union, Inc.?

Membership eligibility for Education First Credit Union, Inc. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Education First Credit Union, Inc. directly for current membership requirements and application steps.

Is my money safe at Education First Credit Union, Inc.?

Federal credit unions like Education First Credit Union, Inc. 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 Credit Union, Inc.'s net worth ratio of 9.34% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Education First Credit Union, Inc. offer compared to banks?

Credit unions like Education First Credit Union, Inc. 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 Credit Union, Inc. 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.