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
Call Report peers
Cleveland-Bradley Cty Teacher in the assets neighbourhood
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
Cleveland-Bradley Cty Teacher sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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%).
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.
- One place up in Tennessee, Select Seven (#55) ties at 87/100; one place down, Tennessee Employees (#57) scores 86/100, 1 point lower.
Cleveland-Bradley Cty Teacher Call Report trajectory
Cleveland-Bradley Cty Teacher: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $73.9M (2025Q4) to $73.5M (2026Q1).
- Net-worth ratio shifted +0.29 pp (12.39% → 12.68%).
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
Cleveland-Bradley Cty Teacher gives up 13 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Cleveland-Bradley Cty Teacher financially healthy?
On its 2025Q4 NCUA 5300 filing, Cleveland-Bradley Cty Teacher scores 87/100 (Excellent), with a 12.68% net worth ratio and 0.74% of loans delinquent. It ranks #1,636 of 4,374 nationally on health and #56 of 127 in Tennessee.
How does Cleveland-Bradley Cty Teacher compare to other credit unions?
Cleveland-Bradley Cty Teacher scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.74% vs 0.96%). Its widest shortfall is loan-to-share ratio (38.55% vs 62.60%).
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?
Cleveland-Bradley Cty Teacher is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.