State credit union · Tyler, Texas · NCUA charter #67576
Cooperative Teachers
Health score 51/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 51
- Health / 100
- $92.1M
- Total assets
- 4,528
- Members
- 7.9%
- Net-worth ratio
Cooperative Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67576 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Cooperative Teachers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)34
- Earnings (ROA)19
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 51/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.87% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.87% | 30% |
| Delinquency Rate | 2.65% | 25% |
| Return on Assets | -0.18% | 15% |
| Member Growth | -16.47% | 15% |
| Loan-to-Share Ratio | 80.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $92.1M | 4,528 |
| 2024Q4 | $102.7M | 5,421 |
| 2023Q4 | $119.4M | 7,490 |
Credit Union Details
- Charter Number
- 67576
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Tyler
- Data Quarter
- 2025Q4
What This Data Says About Cooperative Teachers
4,528 members and $92.1M in total assets sit behind Cooperative Teachers, a state credit union in Tyler, Texas, which posts a health score of 51/100 (Fair) on the five-factor composite, with $65.5M in outstanding loans as of Q4 2025 and a net worth ratio of 7.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67576 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
2.65% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 80.08% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.18% on net income of $-165158 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 -16.47%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
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 Cooperative Teachers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Cooperative Teachers carries a financial health score of 51/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.87% net worth ratio and a 2.65% delinquency rate.
How does Cooperative Teachers compare to other credit unions?
51/100 is Cooperative Teachers'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 Cooperative Teachers?
Membership eligibility for Cooperative Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Cooperative Teachers directly for current membership requirements and application steps.
Is my money safe at Cooperative Teachers?
Federal credit unions like Cooperative 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. Cooperative Teachers's net worth ratio of 7.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cooperative Teachers offer compared to banks?
Credit unions like Cooperative 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 Cooperative 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.