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
- NW 51/100
- DELQ 7.9%
- ROA 2.65%
- ASSETS -0.18%
- MEM $92.1M
- RANK 4,528
- PHOTO #4,258/4,374
- BOOK Eastern Operating Engineers
- CHARTER 67576
Call Report peers
Cooperative Teachers in the assets neighbourhood
Cooperative Teachers's $92.1M assets sit next to Eastern Operating Engineers ($92.3M) 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.
Cooperative 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
51 3rd percentile higher than 3% 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
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.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cooperative Teachers Call Report trajectory
Cooperative Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $92.1M (2025Q4) to $92.8M (2026Q1).
- Net-worth ratio shifted -0.01 pp (7.87% → 7.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 51.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for Cooperative Teachers - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($92.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (51/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #4,258 of 4,374; by total assets it ranks #1,899 of 4,374 nationally (same basis as /rankings/largest); and #151 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.86% 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 7.86% 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.
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.