State credit union · Tyler, Texas · NCUA charter #67576
Cooperative Teachers
Health score 51/100, grade D (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 scores 51/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $92.1M; members 4,528; net-worth ratio 7.86%; health rank #4,258 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,258 of 4,374 health · 2025Q4Cooperative Teachers · health 51/100 · $92.1M · 2025Q4
Call Report peers
Cooperative Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cooperative Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Cooperative Teachers sits in 50-54 with 82 others.
51 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Cooperative Teachers diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +17.48 pp (80.08% vs 62.60%).
- Net Worth Ratio trails the peer set - 7.86% here, 13.62% peer average (-5.76 pp).
Texas standing for Cooperative Teachers
- Health composite ranks #380 of 386 among scored Texas credit unions.
- Assets rank #151 of 386 inside Texas ($92.1M reported).
- Membership ranks #185 of 386 among Texas CUs with a reported count (4,528 members).
- One place up in Texas, Brazos Community (#379) ties at 51/100; one place down, REDEEMER (#381) scores 50/100, 1 point lower.
Cooperative Teachers Call Report trajectory
Cooperative Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $92.1M (2025Q4) to $92.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (7.87% → 7.86%).
7.86% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 51/100 score is built
Cooperative Teachers gives up 49 points in total. Delinquency Rate costs the most, 16.6 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 8.4 pts
- Return on Assets 2.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Cooperative Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.86% | -5.76 pp |
| Delinquency Rate | 2.65% | +1.69 pp |
| Return on Assets | -0.18% | -0.84 pp |
| Member Growth | -16.47% | - |
| Loan-to-Share Ratio | 80.08% | +17.48 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Cooperative Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $92.8M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Cooperative Teachers runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Cooperative Teachers Credit Union (Main Office) | Tyler, TX |
| Lindale Branch | Lindale, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Other-state peers near Cooperative Teachers
Similar total assets
Using this data
- Cooperative Teachers ranks #4,258 of 4,374 nationally on financial health and #380 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Bridge is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Bridge
Frequently Asked Questions
Is Cooperative Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Cooperative Teachers scores 51/100 (Fair), with a 7.86% net worth ratio and 2.65% of loans delinquent. It ranks #4,258 of 4,374 nationally on health and #380 of 386 in Texas.
How does Cooperative Teachers compare to other credit unions?
Cooperative Teachers scores 51/100, higher than 3% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (80.08% vs 62.60%). Its widest shortfall is net worth ratio (7.86% vs 13.62%).
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?
Cooperative Teachers is a state-chartered 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. Cooperative Teachers's net worth ratio of 7.86% 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.