TellerScore

Headquartered in Cheyenne, Wyoming, First Education Federal Credit Union is a federal credit union with $87.2M in total assets and $77.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.

Based on its Q2 2026 filing, First Education Federal Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 18 credit unions headquartered in Wyoming, it ranks 8th. Its strongest component is funding & liquidity (100/100; 43% loans-to-deposits, 4% uninsured), and its lowest is capital cushion (53/100; 10.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.34%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity100/100
Loans ÷ shares: 43.0% · 3.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.74%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
657380Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202469
Q1 202577
Q2 202576
Q3 202580
Q4 202573
Q1 202675
Q2 202677
Net worth ratio
7.00%8.67%10.34%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.31%
Q3 20248.50%
Q4 20248.88%
Q1 20259.00%
Q2 20259.34%
Q3 20259.71%
Q4 20259.99%
Q1 20269.94%
Q2 202610.34%
Delinquent loans (60+ days)
0.09%0.51%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.38%
Q4 20240.29%
Q1 20250.09%
Q2 20250.33%
Q3 20250.09%
Q4 20250.93%
Q1 20260.29%
Q2 20260.20%
Return on assets
0.52%1.04%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.62%
Q4 20240.76%
Q1 20251.51%
Q2 20251.54%
Q3 20251.56%
Q4 20251.52%
Q1 20261.12%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$87.2M10.34%0.20%1.14%43.0%
Q1 202675$88.2M9.94%0.29%1.12%43.5%
Q4 202573$85.3M9.99%0.93%1.52%46.1%
Q3 202580$84.6M9.71%0.09%1.56%45.8%
Q2 202576$84.2M9.34%0.33%1.54%41.1%
Q1 202577$83.8M9.00%0.09%1.51%39.3%
Q4 202469$81.3M8.88%0.29%0.76%40.6%
Q3 202466$82.2M8.50%0.38%0.62%39.5%
Q2 202465$82.1M8.31%0.36%0.52%39.0%

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 ratio10.34%
19th
Problem loans0.20%
74th
Net charge-offs0.02%
66th
Return on assets1.14%
74th
Loans to deposits43.0%
74th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
70th

Similar-size credit unions in Wyoming

InstitutionScoreAssetsCapitalProblem loansCompare
A.C.P.E. Federal Credit UnionCredit union Laramie, WY83 out of 100, Strong$78.1M11.8%0.47%vs
Pathfinder Federal Credit UnionCredit union Casper, WY76 out of 100, Strong$68.6M11.6%0.64%vs
Cit-Co Federal Credit UnionCredit union Sheridan, WY80 out of 100, Strong$32.9M10.4%0.51%vs
Cheyenne-Laramie County Employees Federal Credit UnionCredit union Cheyenne, WY85 out of 100, Very strong$31.9M15.4%1.44%vs
Powell Schools Federal Credit UnionCredit union Powell, WY59 out of 100, Moderate$3.9M7.3%0.00%vs
Guernsey Community Federal Credit UnionCredit union Guernsey, WY51 out of 100, Below average$1.8M21.3%19.81%vs

Deposit insurance

Is my money safe at First Education Federal Credit Union?

Yes. First Education Federal Credit Union is a federally insured credit union (NCUA charter #5465). 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 3.9% of shares and deposits ($3.0M) 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 10.34%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

First Education Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Education Federal Credit Union reported 47 home-loan applications under HMDA (LEI 5493009V6C21MWMPSR74): 44 originated ($5,350,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.2%, 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
First Education Federal Credit Union
Type
Federal credit union
NCUA charter #
5465
RSSD ID
867173
Primary regulator
NCUA
Established
1947
Headquarters
PO Box 20030, Cheyenne, WY 82003
Employees
19

Quick answers

First Education Federal Credit Union: common questions

Is First Education Federal Credit Union NCUA insured?

Yes. First Education Federal Credit Union is a federally insured credit union (NCUA charter #5465). 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 First Education Federal Credit Union's TellerScore?

77 out of 100 (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 First Education Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheyenne

InstitutionScoreAssetsCapitalProblem loansCompare
Cheyenne-Laramie County Employees Federal Credit UnionCredit union Cheyenne, WY85 out of 100, Very strong$31.9M15.4%1.44%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
Hilltop National BankBank Casper, WY84 out of 100, Strong$1.1B11.9%0.28%vs
Central Bank and TrustBank Lander, WY78 out of 100, Strong$202.5M8.6%0.00%vs
Pinnacle Bank - WyomingBank Cody, WY77 out of 100, Strong$1.3B10.7%0.26%vs
Jonah Bank of WyomingBank Casper, WY76 out of 100, Strong$562.8M9.6%0.00%vs