Charter 67494 · Amarillo, TX
Education Credit Union
Education Credit Union is a state-chartered credit union in Amarillo, Texas, with $469 million in assets and 41,683 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.63%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $469 million
- -2.3% in a year
- Members
- 41,683
- +1.7% in a year
- Net worth ratio
- 12.63%
- Peer median 11.65%
- Loans 60+ days late
- 0.64%
- Peer median 0.70%
- Loans outstanding
- $382 million
- -1.0% in a year
- Shares and deposits
- $404 million
- +0.6% in a year
- Branches
- 11
- 160 employees
- Opened
- 1935
- Texas charter
How Education Credit Union compares
NCUA groups credit unions by size; Education Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 12.63% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.64%, is lower than the group median of 0.70%. Loans fell 1.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 66 of 380 credit unions headquartered in Texas. See all Texas credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $469 million | 41,683 | $382 million | 12.63% | 0.64% |
| Q1 2026 | $474 million | 41,649 | $379 million | 12.14% | 0.66% |
| Q4 2025 | $477 million | 41,649 | $381 million | 12.24% | 1.12% |
| Q3 2025 | $476 million | 41,439 | $379 million | 11.32% | 0.89% |
| Q2 2025 | $480 million | 40,981 | $386 million | 11.20% | 0.92% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 339,272 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for Education Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- I-40 Branch
4400 W Interstate 40, Amarillo, TX 79106 - Hillside Branch
6201 Hillside Rd, Amarillo, TX 79109 - Canyon Branch
2100 4Th Ave, Canyon, TX 79015 - Operations Center (main office)
6203 Hillside Rd, Amarillo, TX 79109 - Bushland
1801 S Fm 2381, Bushland, TX 79012 - Plum Creek Branch
5500 Plum Creek Dr., Amarillo, TX 79124 - 45th Branch
3615 Sw 45Th Ave, Amarillo, TX 79109 - Canyon- VFW
1900 Fm 2590, Canyon, TX 79015 - Borger Branch
500 W Grand St, Borger, TX 79007 - Stinnett Branch
102 N Main St, Stinnett, TX 79083 - AmTech
3601 Plains Blvd, Amarillo, TX 79102 - Badger Smart Branch
512 Sw 22Nd Ave, Amarillo, TX 79109
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology