Columbus, Ohio · Peer group 5
Education First Credit Union, Inc.
Education First Credit Union, Inc. holds $149.1M in assets across 12,087 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1936. Charter number 68447, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $149.1M |
|---|---|
| Total loans | $103.7M |
| Total shares (deposits) | $129.8M |
| Net worth | $14.3M |
| Members | 12,087 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.1% | |
|---|---|---|
| Loans | 2.7% | around the 50th percentile of its peer group |
| Deposits | -0.5% | around the 18th percentile of its peer group |
| Members | -1.6% | around the 35th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 79.9% | around the 68th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.6% | around the 21st percentile of its peer group |
| Return on assets | 1.48% | around the 88th percentile of its peer group |
| Delinquency ratio | 1.97% | higher than 95% of its peer group |
| Cash / assets | 4.5% | lower than 90% of its peer group |
| Borrowings / assets | 2.0% | around the 87th percentile of its peer group |
What this page does not show
Everything above is Education First Credit Union, Inc.’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Ohio — the comparison set a peer ratio is measured against.
- Buckeye State Credit Union
Akron, OH
$148.8M · 15,900 members
- Medina County Credit Union
Wadsworth, OH
$149.4M · 10,175 members
- Lakeview Credit Union
Ashtabula, OH
$153.2M · 8,014 members
- Ohio Educational Credit Union
Cleveland, OH
$158.2M · 14,709 members
- Day-Met Credit Union
Dayton, OH
$136.3M · 7,822 members
- Greater Cincinnati School Credit Union
Cincinnati, OH
$135.3M · 7,957 members
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