Federal credit union · East Providence, Rhode Island · NCUA charter #24730
Community & Teachers
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $30.7M
- Total assets
- 1,584
- Members
- 9.8%
- Net-worth ratio
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 - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.82% | 30% |
| Delinquency Rate | 0.11% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | -5.94% | 15% |
| Loan-to-Share Ratio | 72.69% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Community & Teachers
Charter #24730, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Community & Teachers, a federal credit union in East Providence, Rhode Island with 1,584 members, $30.7M in total assets, and $20.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 85/100 (Excellent), helped by a net worth ratio of 9.82% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.11% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 72.69% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.61% on net income of $186K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.94%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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–$10M60Health
- PAWTUCKET MUNICIPAL EMPLOYEESPAWTUCKET, RI · $2M–$10M68Health
- NATCO EMPLOYEESWEST WARWICK, RI · Under $2M85Health
- BLACKSTONE RIVERWoonsocket, RI · $50M–$100M83Health
- CRANSTON MUNICIPAL EMPLOYEESCRANSTON, RI · $50M–$100M78Health
Compare Community & Teachers vs CUMBERLAND MUNICIPAL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.82% 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 9.82% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.