TellerScore

Education First Federal Credit Union (NCUA charter #24470) is based in Beaumont, Texas. Its Q2 2026 call report shows $583.1M in total assets and $532.6M in member shares and deposits and 8 offices.

Education First Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 255th. Funding & liquidity contributes the most (91/100, 69% loans-to-deposits, 7% uninsured); capital cushion contributes the least (41/100, 9.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Net worth ratio: 9.11%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.62%
Earnings49/100
Return on assets (annualized): 0.72%
Funding & liquidity91/100
Loans ÷ shares: 68.9% · 6.7% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.72%

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 13 points (52 → 65), mostly because the earnings component improved by 49 points.

TellerScore
375165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202444
Q3 202442
Q4 202437
Q1 202548
Q2 202552
Q3 202555
Q4 202558
Q1 202665
Q2 202665
Net worth ratio
7.00%8.05%9.11%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.72%
Q3 20248.63%
Q4 20248.43%
Q1 20258.26%
Q2 20258.13%
Q3 20258.31%
Q4 20258.73%
Q1 20268.82%
Q2 20269.11%
Delinquent loans (60+ days)
0.54%1.35%2.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.79%
Q3 20241.96%
Q4 20242.15%
Q1 20251.10%
Q2 20250.66%
Q3 20250.57%
Q4 20250.74%
Q1 20260.54%
Q2 20260.62%
Return on assets
-0.67%0.03%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.22%
Q3 2024-0.29%
Q4 2024-0.67%
Q1 2025-0.54%
Q2 2025-0.64%
Q3 2025-0.33%
Q4 20250.17%
Q1 20260.68%
Q2 20260.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$583.1M9.11%0.62%0.72%68.9%
Q1 202665$589.9M8.82%0.54%0.68%65.4%
Q4 202558$590.5M8.73%0.74%0.17%66.7%
Q3 202555$590.5M8.31%0.57%-0.33%66.5%
Q2 202552$598.3M8.13%0.66%-0.64%64.8%
Q1 202548$601.7M8.26%1.10%-0.54%65.4%
Q4 202437$605.7M8.43%2.15%-0.67%70.3%
Q3 202442$622.8M8.63%1.96%-0.29%71.3%
Q2 202444$623.8M8.72%1.79%-0.22%72.4%

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 ratio9.11%
14th
Problem loans0.62%
55th
Net charge-offs1.04%
9th
Return on assets0.72%
48th
Loans to deposits68.9%
63rd
Uninsured deposits6.7%
42nd
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Openland Credit UnionCredit union League City, TX63 out of 100, Moderate$587.9M11.1%1.09%vs
Union Square Credit UnionCredit union Wichita Falls, TX37 out of 100, Low$601.3M8.4%2.69%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Soarion Federal Credit UnionCredit union San Antonio, TX55 out of 100, Moderate$555.6M6.8%1.01%vs
My Community Credit UnionCredit union Midland, TX55 out of 100, Moderate$555.3M10.3%1.24%vs

Deposit insurance

Is my money safe at Education First Federal Credit Union?

Yes. Education First Federal Credit Union is a federally insured credit union (NCUA charter #24470). 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 6.7% of shares and deposits ($35.9M) 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 9.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Education First Federal Credit Union lists 8 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Education First Federal Credit Union
Type
Federal credit union
NCUA charter #
24470
RSSD ID
530299
Primary regulator
NCUA
Established
1952
Headquarters
7025 Eastex Freeway, Beaumont, TX 77706
Employees
141

Quick answers

Education First Federal Credit Union: common questions

Is Education First Federal Credit Union NCUA insured?

Yes. Education First Federal Credit Union is a federally insured credit union (NCUA charter #24470). 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 Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Education First Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Beaumont

InstitutionScoreAssetsCapitalProblem loansCompare
Port Arthur Teachers Federal Credit UnionCredit union Port Arthur, TX94 out of 100, Very strong$38.0M14.9%0.35%vs
Neches Federal Credit UnionCredit union Port Neches, TX93 out of 100, Very strong$1.2B14.7%0.20%vs
Dugood Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$609.4M13.4%0.09%vs
Common Cents Federal Credit UnionCredit union Beaumont, TX87 out of 100, Very strong$34.2M12.1%0.30%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Vidor Teachers Federal Credit UnionCredit union Vidor, TX83 out of 100, Strong$3.3M15.8%0.00%vs