EDUCATION FIRST
Charter #24470 · Beaumont, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 32,587 sits at the 18th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.82% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.18% sits at the 84th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 31st — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EDUCATION FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $589.91M | 22th pct | 21th pct |
| Members | 32,587 | 23th pct | 18th pct |
| Net worth ratio | 8.82% | 16th pct | 18th pct |
| Return on average assets | 0.68% | 55th pct | 57th pct |
| Net interest margin | 3.58% | 56th pct | 64th pct |
| Cost of funds | 1.33% | 39th pct | 54th pct |
| Loan-to-share | 65.38% | 16th pct | 31th pct |
| Delinquency 60+ days | 0.54% | 45th pct | 36th pct |
| Net charge-off ratio | 1.18% | 93th pct | 84th pct |
| Loan growth YoY | -2.95% | 11th pct | 13th pct |
| Share growth YoY | -1.31% | 4th pct | 5th pct |
| Efficiency ratio | 78.69% | 53th pct | 52th pct |
structural peer set hash: cf74ff04185cc7af2baabb30bc0579ea… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.