State credit union · Columbus, Ohio · NCUA charter #68447
Education First Credit Union, Inc.
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $146.7M
- Total assets
- 12,154
- Members
- 9.6%
- Net-worth ratio
Education First Credit Union, Inc. scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $146.7M; members 12,154; net-worth ratio 9.56%; health rank #2,646 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,646 of 4,374 health · 2025Q4Education First · health 81/100 · $146.7M · 2025Q4
- CAMELS 81/100
- HEALTH 9.6%
- NW 1.43%
- DELQ 0.25%
- ROA $146.7M
- ASSETS 12,154
- MEM #2,646/4,374
- RANK Oswego County
- PHOTO 68447
Call Report peers
Education First Credit Union, Inc. in the assets neighbourhood
Education First Credit Union, Inc.'s $146.7M assets sit next to Oswego County ($146.7M) 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 Credit Union, Inc. 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
81 39th percentile higher than 39% 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 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.
Education First Credit Union, Inc.: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 80.28% here, 72.20% peer average (+8.08 pp).
- Largest lag: Net Worth Ratio at 9.56% vs peer 12.11% (-2.55 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Education First Credit Union, Inc. in Ohio
- Health composite ranks #116 of 196 among scored Ohio credit unions.
- Assets rank #62 of 196 inside Ohio ($146.7M reported).
- Membership ranks #58 of 196 among Ohio CUs with a reported count (12,154 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Education First Credit Union, Inc.
Education First Credit Union, Inc.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $146.7M (2025Q4) to $149.1M (2026Q1).
- Net-worth ratio shifted +0.22 pp (9.34% → 9.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 16.8 pts
- Return on Assets 11.3 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 15.3 pts
Education First health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.56% | -2.55 pp |
| Delinquency Rate | 1.43% | +0.53 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | -0.18% | - |
| Loan-to-Share Ratio | 80.28% | +8.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Education First Credit Union, Inc. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $149.1M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Education First Credit Union, Inc. runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Columbus Branch / Corporate HQ (Main Office) | Columbus, OH |
| Reynoldsburg Branch | Columbus, OH |
| Reynoldsburg HS Student-Run Branch | Reynoldsburg, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Education First Credit Union, Inc., both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($146.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Education First Credit Union, Inc. ranks #2,646 of 4,374 nationally on financial health and #116 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Medina County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Medina County
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 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 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,646 of 4,374; by total assets it ranks #1,504 of 4,374 nationally (same basis as /rankings/largest); and #62 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.56% 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 81/100, 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 9.56% 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.
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.