Credit unions · Texas · Q2 2026
Education CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $469M |
| Total loans & leases | $382M |
| Total shares & deposits | $404M |
| Members | 41,680 |
| Net worth | $59.3M |
| Net worth / assets | 12.63% |
| Loans / assets | 81.47% |
| Return on assets (annualized) | 0.53% |
| Loan growth (YoY) | −0.98% |
| Member growth (YoY) | 1.71% |
| Delinquency, all loans (60+ days) | 0.64% |
| Charter | State charter (federally insured) |
| Asset band | $250M–$1B |
| NCUA peer group | $100M–$500M |
| Sponsor type | Educational (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
Education Credit Union's own website describes a member-facing virtual assistant, "ECU Ella," that answers questions and guides members through the credit union's products and services, handing off to a staff member when needed. There is no public evidence of AI making or shaping decisions inside lending, collections or other workflows.
- Education CU website “Chat with our Virtual Assistant, ECU Ella”
- Education CU website “Ella is here to make managing your finances easier by answering simple questions, helping you find information quickly, and guiding you through ECU's products and services.”