Credit Union Safety Analysis
Is Education First Credit Union Safe? Ogden, Utah
Based on its Q2 2026 NCUA 5300 call report, Education First Credit Union has a net worth ratio of 9.94%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.05%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Education First Credit Union's net worth ratio is 9.94%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.94%
- Delinquency ratio (60+ days) (Q2 2026): 0.05%
- Return on assets (Q2 2026): 0.53%
- Loan-to-share ratio (Q2 2026): 95.27%
Education First Credit Union (NCUA charter 67127, established 1932) reported $61.9M in assets and 2,600 members for Q2 2026 from Ogden, Utah. It ranks 27 of 50 credit unions in Utah by total assets. Total assets grew 2.1% from $60.7M on June 30, 2025. It has 11 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was up 0.62 percentage points from 9.32% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $35.9M of $52.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.05% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 9.84% for Q1 2026; 9.32% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.24% for Q1 2026; 0.66% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.86% for Q1 2026; 0.83% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 93.93% for Q1 2026; 96.36% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $35.9M
- Used vehicle loans: $8.8M
- New vehicle loans: $2.7M
- Other secured non-real estate loans and lines of credit: $2.4M
- Unsecured credit card loans: $1.9M
- Other unsecured loans and lines of credit: $1.2M
- Commercial loans: $28K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $61.9M | 9.94% | 0.05% | 0.53% | 95.27% |
| March 31, 2026 | $61.7M | 9.84% | 0.24% | 0.86% | 93.93% |
| December 31, 2025 | $73.9M | 8.05% | 0.72% | -0.52% | 82.47% |
| September 30, 2025 | $60.0M | 9.65% | 0.12% | 1.23% | 100.94% |
| June 30, 2025 | $60.7M | 9.32% | 0.66% | 0.83% | 96.36% |
| March 31, 2025 | $60.1M | 9.12% | 0.06% | 1.01% | 95.13% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Education First Credit Union profile
Regulator records: NCUA credit union profile (charter 67127) · FFIEC NIC profile (RSSD 524999)
Frequently asked questions
Is Education First Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Education First Credit Union's net worth ratio is 9.94%, above the 7% NCUA threshold for well capitalized.
Is Education First Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Education First Credit Union is a federally insured credit union (NCUA charter 67127): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Education First Credit Union's key safety ratios?
For Q2 2026, Education First Credit Union reports net worth 9.94%, delinquency 0.05%, ROA 0.53%, loan-to-share 95.27%.
What happens to my money if Education First Credit Union fails?
For Q2 2026, Education First Credit Union held $55.6M in shares and deposits for 2,600 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.