Federal credit union · East Providence, Rhode Island · NCUA charter #24730
Community & Teachers
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $30.7M
- Total assets
- 1,584
- Members
- 11.3%
- Net-worth ratio
Community & Teachers scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.7M; members 1,584; net-worth ratio 11.33%; health rank #1,987 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,987 of 4,374 health · 2025Q4Community & Teachers · health 85/100 · $30.7M · 2025Q4
- ROA 85/100
- ASSETS 11.3%
- MEM 0.11%
- RANK 0.61%
- PHOTO $30.7M
- BOOK 1,584
- CHARTER #1,987/4,374
- NCUSIF Port Conneaut
- CAMELS 24730
Call Report peers
Community & Teachers in the assets neighbourhood
Community & Teachers's $30.7M assets sit next to Port Conneaut ($30.7M) 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.
Community & 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
85 Top 46% higher than 54% 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
Community & Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24730 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Community & Teachers vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 72.69% here, 59.80% peer average (+12.89 pp).
- Largest lag: Net Worth Ratio at 11.33% vs peer 14.86% (-3.53 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Community & Teachers sits in Rhode Island
- In Rhode Island, health place is #6 of 14 on the same NCUA-ratio sort used nationally.
- By total assets, Community & Teachers is #11 of 14 in Rhode Island.
- Rhode Island membership ordinal: #11 of 14.
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Community & Teachers: 2025Q4 → 2026Q1
Community & Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $30.7M (2025Q4) to $30.8M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.23% → 11.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.33% | -3.53 pp |
| Delinquency Rate | 0.11% | -1.03 pp |
| Return on Assets | 0.61% | -0.10 pp |
| Member Growth | -5.94% | - |
| Loan-to-Share Ratio | 72.69% | +12.89 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).
Community & Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.8M | - |
| 2025Q4 | $30.7M | 1,584 |
| 2024Q4 | $29.9M | 1,684 |
| 2023Q4 | $31.1M | 1,811 |
Credit Union Details
- Charter Number
- 24730
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Rhode Island
- City
- East Providence
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Community & Teachers.
| Office | City |
|---|---|
| Community & Teachers Federal Credit Union (Main Office) | East Providence, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
Other federally-insured credit unions in Rhode Island, closest first by peer group and asset size.
- CUMBERLAND MUNICIPAL EMPLOYEESCumberland, RI · $2M–$10M79Health
- PAWTUCKET MUNICIPAL EMPLOYEESPAWTUCKET, RI · $2M–$10M94Health
- NATCO EMPLOYEESWEST WARWICK, RI · Under $2M85Health
- BLACKSTONE RIVERWoonsocket, RI · $50M–$100M83Health
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
Compare Community & Teachers vs CUMBERLAND MUNICIPAL EMPLOYEES
Cross-state Call Report peers for Community & Teachers
Cross-state asset and health neighbours for Community & Teachers - kept outside Rhode Island; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Community & Teachers ranks #1,987 of 4,374 nationally on financial health and #6 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cumberland Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cumberland Municipal Employees
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island 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 Community & Teachers financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Community & 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 #1,987 of 4,374; by total assets it ranks #2,834 of 4,374 nationally (same basis as /rankings/largest); and #11 of 14 within Rhode Island. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.33% net worth ratio and 0.11% delinquency rate are the key drivers.
How does Community & Teachers compare to other credit unions?
Five weighted metrics from NCUA filings produce Community & Teachers's 85/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Community & Teachers?
Community & 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 Community & Teachers directly for the exact boundaries and application steps.
Is my money safe at Community & Teachers?
Federal credit unions like Community & 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. Community & Teachers's net worth ratio of 11.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community & Teachers offer compared to banks?
Credit unions like Community & 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 Community & 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.