Federal credit union · Butler, Pennsylvania · NCUA charter #3085
Butler County Teachers
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $28.3M
- Total assets
- 1,795
- Members
- 13.2%
- Net-worth ratio
Butler County Teachers scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.3M; members 1,795; net-worth ratio 13.23%; health rank #3,588 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,588 of 4,374 health · 2025Q4Butler County Teachers · health 70/100 · $28.3M · 2025Q4
- CHARTER 70/100
- NCUSIF 13.2%
- CAMELS 2.17%
- HEALTH 1.82%
- NW $28.3M
- DELQ 1,795
- ROA #3,588/4,374
- ASSETS ECM
- MEM 3085
Call Report peers
Butler County Teachers in the assets neighbourhood
Butler County Teachers's $28.3M assets sit next to ECM ($28.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Butler County Teachers vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Butler County Teachers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3085. See our deposit-insurance coverage note.
Butler County Teachers: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.82% here, 0.70% peer average (+1.11 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -26.23 pp (33.57% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Butler County Teachers: in-state Call Report ranks
- Health composite ranks #221 of 275 among scored Pennsylvania credit unions.
- By total assets, Butler County Teachers is #154 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #171 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Butler County Teachers's 5300 filing moved
Butler County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $28.3M (2025Q4) to $28.7M (2026Q1).
- Net-worth ratio shifted +0.35 pp (12.88% → 13.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.4 pts
- Return on Assets 15.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.23% | -1.63 pp |
| Delinquency Rate | 2.17% | +1.03 pp |
| Return on Assets | 1.82% | +1.11 pp |
| Member Growth | -2.55% | - |
| Loan-to-Share Ratio | 33.57% | -26.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Butler County Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.7M | - |
| 2025Q4 | $28.3M | 1,795 |
| 2024Q4 | $28.4M | 1,842 |
| 2023Q4 | $28.3M | 1,897 |
Credit Union Details
- Charter Number
- 3085
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Butler
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Butler County Teachers.
| Office | City |
|---|---|
| Butler Co Teachers Federal Credit Union (Main Office) | Butler, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Other-state peers near Butler County Teachers
Cross-state asset and health neighbours for Butler County Teachers - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($28.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Butler County Teachers ranks #3,588 of 4,374 nationally on financial health and #221 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Paac Transit Division is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Paac Transit Division
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Butler County Teachers financially healthy?
Yes/no aside, the number is 70/100 (Very Good) - Butler County Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,588 of 4,374; by total assets it ranks #2,895 of 4,374 nationally (same basis as /rankings/largest); and #154 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.23% net worth ratio and 2.17% delinquency rate are the key drivers.
How does Butler County Teachers compare to other credit unions?
Butler County Teachers scores 70/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Butler County Teachers?
Butler County Teachers operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Butler County Teachers directly for the exact boundaries and application steps.
Is my money safe at Butler County Teachers?
Federal credit unions like Butler County Teachers are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Butler County Teachers's net worth ratio of 13.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Butler County Teachers offer compared to banks?
Credit unions like Butler County Teachers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Butler County Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.