TellerScore

Big Spring Education Employees Federal Credit Union is a federal credit union headquartered in Big Spring, Texas, in business for about 71 years. At the end of Q2 2026 it reported $55.3M in total assets and $44.9M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Big Spring Education Employees Federal Credit Union scores 99/100, which we describe as very strong. That is higher than 99% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 4th. Its five components are fairly even, ranging from 96 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.56%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.13%
Earnings100/100
Return on assets (annualized): 2.72%
Funding & liquidity100/100
Loans ÷ shares: 47.1% · 6.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (95 → 99), mostly because the loan quality component improved by 15 points.

TellerScore
758799Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202490
Q3 202491
Q4 202480
Q1 202593
Q2 202595
Q3 202589
Q4 202575
Q1 202698
Q2 202699
Net worth ratio
7.00%12.78%18.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.89%
Q3 202416.34%
Q4 202415.71%
Q1 202516.21%
Q2 202516.95%
Q3 202517.30%
Q4 202517.19%
Q1 202617.85%
Q2 202618.56%
Delinquent loans (60+ days)
0.13%0.92%1.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.07%
Q3 20240.77%
Q4 20241.15%
Q1 20250.79%
Q2 20250.58%
Q3 20251.22%
Q4 20251.72%
Q1 20260.18%
Q2 20260.13%
Return on assets
0.69%1.96%3.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.91%
Q3 20241.78%
Q4 20240.69%
Q1 20252.61%
Q2 20252.16%
Q3 20252.05%
Q4 20250.80%
Q1 20263.24%
Q2 20262.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202699$55.3M18.56%0.13%2.72%47.1%
Q1 202698$55.8M17.85%0.18%3.24%47.2%
Q4 202575$55.3M17.19%1.72%0.80%47.3%
Q3 202589$57.5M17.30%1.22%2.05%46.2%
Q2 202595$57.1M16.95%0.58%2.16%46.9%
Q1 202593$58.3M16.21%0.79%2.61%44.4%
Q4 202480$57.7M15.71%1.15%0.69%45.6%
Q3 202491$57.8M16.34%0.77%1.78%44.6%
Q2 202490$58.0M15.89%1.07%1.91%44.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.56%
72nd
Problem loans0.13%
78th
Net charge-offs-0.08%
93rd
Return on assets2.72%
98th
Loans to deposits47.1%
68th
Uninsured deposits6.9%
13th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Lifetime Federal Credit UnionCredit union Richardson, TX69 out of 100, Moderate$55.2M18.4%1.91%vs
Baptist Credit UnionCredit union San Antonio, TX63 out of 100, Moderate$54.7M8.7%0.15%vs
Heart O' Texas Federal Credit UnionCredit union Waco, TX49 out of 100, Below average$54.6M7.4%0.86%vs
Walker County Federal Credit UnionCredit union Huntsville, TX85 out of 100, Very strong$54.3M16.5%0.57%vs
City Public Service/Ibew Federal Credit UnionCredit union San Antonio, TX81 out of 100, Strong$56.3M14.9%1.18%vs
Select Federal Credit UnionCredit union San Antonio, TX70 out of 100, Strong$57.7M15.1%0.83%vs

Deposit insurance

Is my money safe at Big Spring Education Employees Federal Credit Union?

Yes. Big Spring Education Employees Federal Credit Union is a federally insured credit union (NCUA charter #10577). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.9% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.56%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Big Spring Education Employees Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Big Spring Education Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
10577
RSSD ID
182689
Primary regulator
NCUA
Established
1955
Headquarters
Po Box 1110, Big Spring, TX 79721
Employees
14

Quick answers

Big Spring Education Employees Federal Credit Union: common questions

Is Big Spring Education Employees Federal Credit Union NCUA insured?

Yes. Big Spring Education Employees Federal Credit Union is a federally insured credit union (NCUA charter #10577). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Big Spring Education Employees Federal Credit Union's TellerScore?

99 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Big Spring Education Employees Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Big Spring

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Federal Credit UnionCredit union Big Spring, TX90 out of 100, Very strong$201.9M14.6%0.13%vs
The First National Bank of StantonBank Stanton, TX85 out of 100, Very strong$394.9M17.5%1.08%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
Western BankBank Lubbock, TX71 out of 100, Strong$947.2M9.8%0.31%vs
Community National BankBank Midland, TX70 out of 100, Strong$2.5B12.7%1.66%vs
The State National Bank of Big SpringBank Big Spring, TX67 out of 100, Moderate$640.0M11.2%1.63%vs