Education First
Beaumont, TX · Charter 24470 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 10 branches
Q2 2026
$583.1MAssets
$367.1MLoans
$532.6MShares
$53.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 77% of credit unions under $1B in assets in TX (rank 55 of 235).
- Widest gap: equity / assets trails 92% of credit unions under $1B in assets in TX (rank 216 of 235).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.72%
Rank 102 of 235
Net Interest Margin
3.68%
Rank 141 of 235
Efficiency Ratio
76.74%
Rank 91 of 235
Equity / Assets
9.11%
Rank 216 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.17% | 0.57% | 1.10% | Beats 57% | 102 / 235 | |
| Return on Equity | 7.90% | 1.03% | 4.30% | 7.58% | Beats 77% | 55 / 235 | |
| Net Interest Margin | 3.68% | 3.32% | 3.89% | 4.35% | Beats 40% | 141 / 235 | |
| Efficiency Ratio | 76.74% | 70.60% | 82.00% | 91.57% | Beats 62% | 91 / 235 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.62% | 0.20% | 0.59% | 1.14% | Beats 48% | 124 / 235 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.11% | 11.30% | 14.41% | 19.49% | Beats 8% | 216 / 235 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.11% | 11.30% | 14.41% | 19.49% | Beats 8% | 216 / 235 | |
| Liquidity & Funding |
| Loans / Deposits | 68.93% | 54.18% | 67.38% | 81.66% | 51st pctl | 115 / 235 | |
| Loans / Assets | 62.95% | 43.80% | 56.63% | 68.64% | 64th pctl | 85 / 235 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |