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
Call Report peers
Community & Teachers in the assets neighbourhood
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
Community & Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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).
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.
- One place up in Rhode Island, Natco Employees (#5) ties at 85/100; one place down, WAVE (#7) scores 84/100, 1 point lower.
Community & Teachers: 2025Q4 → 2026Q1
Community & Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $30.7M (2025Q4) to $30.8M (2026Q1).
- Net-worth ratio shifted +0.10 pp (11.23% → 11.33%).
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
Community & Teachers gives up 15 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Community & Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Community & Teachers scores 85/100 (Excellent), with a 11.33% net worth ratio and 0.11% of loans delinquent. It ranks #1,987 of 4,374 nationally on health and #6 of 14 in Rhode Island.
How does Community & Teachers compare to other credit unions?
Community & Teachers scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (72.69% vs 59.80%). Its widest shortfall is net worth ratio (11.33% vs 14.86%).
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?
Community & Teachers 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. Community & Teachers's net worth ratio of 11.33% 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.