Federal credit union · CLEVELAND, Tennessee · NCUA charter #14677
Cleveland-Bradley Cty Teacher
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $73.9M
- Total assets
- 4,339
- Members
- 12.7%
- Net-worth ratio
Cleveland-Bradley Cty Teacher scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.9M; members 4,339; net-worth ratio 12.68%; health rank #1,636 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,636 of 4,374 health · 2025Q4Cleveland-Bradley Cty Teach… · health 87/100 · $73.9M · 2025Q4
- PHOTO 87/100
- BOOK 12.7%
- CHARTER 0.74%
- NCUSIF 0.73%
- CAMELS $73.9M
- HEALTH 4,339
- NW #1,636/4,374
- DELQ POLAM
- ROA 14677
Call Report peers
Cleveland-Bradley Cty Teacher in the assets neighbourhood
Cleveland-Bradley Cty Teacher's $73.9M assets sit next to POLAM ($73.9M) 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.
Cleveland-Bradley Cty Teacher 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
87 Top 40% higher than 60% 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
Cleveland-Bradley Cty Teacher - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14677: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Cleveland-Bradley Cty Teacher vs $50M–$100M peers
- Delinquency Rate leads the peer set - 0.74% here, 0.96% peer average (-0.22 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.05 pp (38.55% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Cleveland-Bradley Cty Teacher sits in Tennessee
- Tennessee health ordinal: #56 of 127.
- Tennessee assets place: #52 of 127.
- Member book place in Tennessee: #61 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cleveland-Bradley Cty Teacher Call Report trajectory
Cleveland-Bradley Cty Teacher: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $73.9M (2025Q4) to $73.5M (2026Q1).
- Net-worth ratio shifted +0.29 pp (12.39% → 12.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Cleveland-Bradley Cty Teacher
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.68% | -0.94 pp |
| Delinquency Rate | 0.74% | -0.22 pp |
| Return on Assets | 0.73% | +0.07 pp |
| Member Growth | 0.84% | - |
| Loan-to-Share Ratio | 38.55% | -24.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Cleveland-Bradley Cty Teacher quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.5M | - |
| 2025Q4 | $73.9M | 4,339 |
| 2024Q4 | $67.0M | 4,303 |
| 2023Q4 | $63.9M | 4,334 |
Credit Union Details
- Charter Number
- 14677
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- CLEVELAND
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Cleveland-Bradley Cty Teacher.
| Office | City |
|---|---|
| Cleveland/Bradley County Teachers Federal Credit Union (Main Office) | Cleveland, TN |
| Cleveland Bradley County Teachers Federal Credit Union | Cleveland, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
- CHATTANOOGA FEDERAL EMPLOYEESChattanooga, TN · $50M–$100M86Health
- ENBRIGHTNashville, TN · $50M–$100M77Health
- COPPER BASINCopperhill, TN · $50M–$100M95Health
- MIDDLE TENNESSEECOOKEVILLE, TN · $50M–$100M87Health
- NASHVILLE POST OFFICENASHVILLE, TN · $50M–$100M77Health
Compare Cleveland-Bradley Cty Teacher vs CHATTANOOGA FEDERAL EMPLOYEES
Other-state peers near Cleveland-Bradley Cty Teacher
Cleveland-Bradley Cty Teacher's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Cleveland-Bradley Cty Teacher ranks #1,636 of 4,374 nationally on financial health and #56 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Chattanooga Federal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Chattanooga Federal Employees
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee 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 Cleveland-Bradley Cty Teacher financially healthy?
A 12.68% net worth ratio and a 0.74% delinquency rate feed into Cleveland-Bradley Cty Teacher's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,636 of 4,374; by total assets it ranks #2,085 of 4,374 nationally (same basis as /rankings/largest); and #52 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cleveland-Bradley Cty Teacher compare to other credit unions?
87/100 is Cleveland-Bradley Cty Teacher's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Cleveland-Bradley Cty Teacher?
Cleveland-Bradley Cty Teacher 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 Cleveland-Bradley Cty Teacher directly for the exact boundaries and application steps.
Is my money safe at Cleveland-Bradley Cty Teacher?
Federal credit unions like Cleveland-Bradley Cty Teacher 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. Cleveland-Bradley Cty Teacher's net worth ratio of 12.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cleveland-Bradley Cty Teacher offer compared to banks?
Credit unions like Cleveland-Bradley Cty Teacher 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 Cleveland-Bradley Cty Teacher 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.