TellerScore

Headquartered in Columbus, Ohio, Education First Credit Union, Inc. is a federally insured state-chartered credit union with $145.7M in total assets and $125.6M in member shares and deposits as of Q2 2026. Its charter dates back to 1936.

Education First Credit Union, Inc. has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 171st. Funding & liquidity contributes the most (78/100, 82% loans-to-deposits, 5% uninsured); loan quality contributes the least (29/100, 2.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.00%
Loan quality29/100
Loans 60+ days delinquent ÷ total loans: 2.13%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity78/100
Loans ÷ shares: 82.4% · 5.2% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.25%

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 9 points (45 → 54), mostly because the earnings component improved by 45 points.

TellerScore
455258Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202453
Q4 202448
Q1 202551
Q2 202545
Q3 202550
Q4 202553
Q1 202657
Q2 202654
Net worth ratio
7.00%8.50%10.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.43%
Q3 20249.59%
Q4 20249.19%
Q1 20259.01%
Q2 20259.01%
Q3 20259.19%
Q4 20259.34%
Q1 20269.56%
Q2 202610.00%
Delinquent loans (60+ days)
0.93%1.53%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.93%
Q3 20241.47%
Q4 20241.73%
Q1 20251.53%
Q2 20251.89%
Q3 20251.56%
Q4 20251.43%
Q1 20261.97%
Q2 20262.13%
Return on assets
0.08%0.78%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.26%
Q4 20240.26%
Q1 20250.37%
Q2 20250.08%
Q3 20250.17%
Q4 20250.37%
Q1 20261.48%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$145.7M10.00%2.13%1.19%82.4%
Q1 202657$149.1M9.56%1.97%1.48%79.9%
Q4 202553$146.7M9.34%1.43%0.37%80.3%
Q3 202550$146.9M9.19%1.56%0.17%79.6%
Q2 202545$148.3M9.01%1.89%0.08%78.0%
Q1 202551$149.2M9.01%1.53%0.37%77.4%
Q4 202448$144.8M9.19%1.73%0.26%80.5%
Q3 202453$139.3M9.59%1.47%0.26%76.8%
Q2 202458$140.4M9.43%0.93%0.24%75.8%

1,341 peers · $100 million – $1 billion

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 ratio10.00%
29th
Problem loans2.13%
5th
Net charge-offs0.22%
67th
Return on assets1.19%
77th
Loans to deposits82.4%
34th
Uninsured deposits5.2%
57th
Loan-loss reserves0.00%
50th
Texas ratio16.3%
4th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Medina County Federal Credit UnionCredit union Wadsworth, OH88 out of 100, Very strong$151.3M12.3%0.09%vs
Lakeview Federal Credit UnionCredit union Ashtabula, OH85 out of 100, Very strong$155.1M13.0%0.26%vs
Greater Cincinnati School Credit UnionCredit union Cincinnati, OH78 out of 100, Strong$135.1M13.4%0.46%vs
Ohio Educational Credit UnionCredit union Cleveland, OH64 out of 100, Moderate$156.5M8.4%0.18%vs
Pillar Credit UnionCredit union Marion, OH76 out of 100, Strong$134.8M11.6%0.60%vs
Treadwell Credit UnionCredit union Dayton, OH55 out of 100, Moderate$134.2M9.0%0.87%vs

Deposit insurance

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

Yes. Education First Credit Union, Inc. is a federally insured credit union (NCUA charter #68447). 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 5.2% of shares and deposits ($6.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

HMDA 2025

Mortgage lending

In 2025, Education First Credit Union, Inc. reported 161 home-loan applications under HMDA (LEI 549300ZA8T2KGQF6JK55): 121 originated ($10,745,000 total), 6 denied, and 29 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Education First Credit Union, Inc.
Type
Federally insured state-chartered credit union
NCUA charter #
68447
RSSD ID
773078
Primary regulator
State + NCUA
Established
1936
Headquarters
510 E. Mound St., Columbus, OH 43215
Employees
37

Quick answers

Education First Credit Union, Inc.: common questions

Is Education First Credit Union, Inc. NCUA insured?

Yes. Education First Credit Union, Inc. is a federally insured credit union (NCUA charter #68447). 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 Education First Credit Union, Inc.'s TellerScore?

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