This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Columbus, OH
Health score
70.5
Total assets
$145.7M
Credit union
DAYTON, OH
Health score
61.1
Total assets
$129.4M
Answer first
EDUCATION FIRST CREDIT UNION, INC. leads on financial health and capitalization and profitability; FIREFIGHTERS & COMPANY leads on lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
EDUCATION FIRST CREDIT UNION, INC.
Higher TFS health score
Capitalization
EDUCATION FIRST CREDIT UNION, INC.
Higher comparable capital ratio
Profitability
EDUCATION FIRST CREDIT UNION, INC.
Higher return on assets
Lending quality
FIREFIGHTERS & COMPANY
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | EDUCATION FIRST CREDIT UNION, INC. | FIREFIGHTERS & COMPANY |
|---|---|---|
| TFS health score | 70.5/100Leads | 61.1/100 |
| Total assets | $145.7M | $129.4M |
| Total deposits / shares | $125.6M | $111.3M |
| Net worth ratio | 10.00%Leads | 9.51% |
| Return on assets | 1.19%Leads | 0.61% |
| Return on equity | 11.91%Leads |
EDUCATION FIRST CREDIT UNION, INC.
2 branches
FIREFIGHTERS & COMPANY
2 branches
Both institutions report branches in 1 state: OH.
EDUCATION FIRST CREDIT UNION, INC.
Unavailable
FIREFIGHTERS & COMPANY
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
EDUCATION FIRST CREDIT UNION, INC.
0 in TFS registry
FIREFIGHTERS & COMPANY
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | EDUCATION FIRST CREDIT UNION, INC. score | EDUCATION FIRST CREDIT UNION, INC. ROA | FIREFIGHTERS & COMPANY score | FIREFIGHTERS & COMPANY ROA |
|---|---|---|---|---|
| 2026-Q1 | 76.4/100 | 1.48% | 59.2/100 | 0.53% |
| 2026-Q2 | 70.5/100 | 1.19% | 61.1/100 | 0.61% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 6.46% |
| 60+ day delinquency | 2.13% | 1.24%Leads |
| Net charge-offs | 0.22%Leads | 0.71% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 82.45% | 78.74% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 2 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |