State credit union · Corsicana, Texas · NCUA charter #67425
Central Texas Teachers
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $14.1M
- Total assets
- 1,519
- Members
- 16.2%
- Net-worth ratio
Central Texas Teachers scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.1M; members 1,519; net-worth ratio 16.16%; health rank #900 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#900 of 4,374 health · 2025Q4Central Texas Teachers · health 91/100 · $14.1M · 2025Q4
- MEM 91/100
- RANK 16.2%
- PHOTO 0.00%
- BOOK 0.95%
- CHARTER $14.1M
- NCUSIF 1,519
- CAMELS #900/4,374
- HEALTH National Employees
- NW 67425
Call Report peers
Central Texas Teachers in the assets neighbourhood
Central Texas Teachers's $14.1M assets sit next to National Employees ($14.1M) 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.
Central Texas 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
91 Top 23% higher than 77% 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
Central Texas Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67425, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Central Texas Teachers vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +17.14 pp (76.94% 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.
Where Central Texas Teachers sits in Texas
- Health composite ranks #86 of 386 among scored Texas credit unions.
- By total assets, Central Texas Teachers is #281 of 386 in Texas.
- Membership ranks #281 of 386 among Texas CUs with a reported count (1,519 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Central Texas Teachers
Central Texas Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.6% from $14.1M (2025Q4) to $13.7M (2026Q1).
- Net-worth ratio shifted +0.38 pp (15.78% → 16.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 15.3 pts
Central Texas Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.16% | +1.30 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.95% | +0.24 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 76.94% | +17.14 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 - Central Texas Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.7M | - |
| 2025Q4 | $14.1M | 1,519 |
| 2024Q4 | $14.1M | 1,547 |
| 2023Q4 | $14.7M | 1,566 |
Credit Union Details
- Charter Number
- 67425
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Corsicana
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Central Texas Teachers runs one office.
| Office | City |
|---|---|
| Main Branch (Main Office) | Corsicana, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Central Texas Teachers
Two NCUA Call Report peer sets for Central Texas Teachers, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Central Texas Teachers ranks #900 of 4,374 nationally on financial health and #86 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Refugio County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Refugio County
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Central Texas Teachers financially healthy?
A 16.16% net worth ratio and a 0.00% delinquency rate feed into Central Texas Teachers's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #900 of 4,374; by total assets it ranks #3,359 of 4,374 nationally (same basis as /rankings/largest); and #281 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Central Texas Teachers compare to other credit unions?
On PlainCU's health composite, Central Texas Teachers lands at 91/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Central Texas Teachers?
Membership eligibility for Central Texas Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Central Texas Teachers directly for current membership requirements and application steps.
Is my money safe at Central Texas Teachers?
Federal credit unions like Central Texas 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. Central Texas Teachers's net worth ratio of 16.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Texas Teachers offer compared to banks?
Credit unions like Central Texas 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 Central Texas 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.