State credit union · Edinburg, Texas · NCUA charter #66366
Edinburg Teachers
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $96.8M
- Total assets
- 6,192
- Members
- 22.6%
- Net-worth ratio
Edinburg Teachers scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $96.8M; members 6,192; net-worth ratio 22.57%; health rank #1,747 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,747 of 4,374 health · 2025Q4Edinburg Teachers · health 86/100 · $96.8M · 2025Q4
- ROA 86/100
- ASSETS 22.6%
- MEM 0.01%
- RANK 0.44%
- PHOTO $96.8M
- BOOK 6,192
- CHARTER #1,747/4,374
- NCUSIF Community Choice
- CAMELS 66366
Call Report peers
Edinburg Teachers in the assets neighbourhood
Edinburg Teachers's $96.8M assets sit next to Community Choice ($96.9M) 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.
Edinburg 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
86 Top 43% higher than 57% 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
Edinburg Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66366, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Edinburg Teachers diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 22.57% vs peer 13.62% (+8.95 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -35.46 pp (27.14% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Edinburg Teachers sits in Texas
- Health composite ranks #156 of 386 among scored Texas credit unions.
- Assets rank #148 of 386 inside Texas ($96.8M reported).
- Membership ranks #162 of 386 among Texas CUs with a reported count (6,192 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.
Quarter path for Edinburg Teachers
Edinburg Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $96.8M (2025Q4) to $97.6M (2026Q1).
- Net-worth ratio shifted -0.16 pp (22.73% → 22.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
22.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 8.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.57% | +8.95 pp |
| Delinquency Rate | 0.01% | -0.95 pp |
| Return on Assets | 0.44% | -0.22 pp |
| Member Growth | -0.21% | - |
| Loan-to-Share Ratio | 27.14% | -35.46 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $97.6M | - |
| 2025Q4 | $96.8M | 6,192 |
| 2024Q4 | $90.2M | 6,205 |
| 2023Q4 | $92.1M | 6,302 |
Credit Union Details
- Charter Number
- 66366
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Texas
- City
- Edinburg
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Edinburg Teachers runs one office.
| Office | City |
|---|---|
| Edinburg Teachers Credit Union (Main Office) | Edinburg, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Edinburg Teachers - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($96.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Edinburg Teachers ranks #1,747 of 4,374 nationally on financial health and #156 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WINDTHORST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WINDTHORST
- 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 Edinburg Teachers financially healthy?
Edinburg Teachers scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,747 of 4,374; by total assets it ranks #1,850 of 4,374 nationally (same basis as /rankings/largest); and #148 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.57% net worth ratio and a 0.01% delinquency rate.
How does Edinburg Teachers compare to other credit unions?
86/100 is Edinburg 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 Edinburg Teachers?
Membership eligibility for Edinburg Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Edinburg Teachers directly for current membership requirements and application steps.
Is my money safe at Edinburg Teachers?
Federal credit unions like Edinburg 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. Edinburg Teachers's net worth ratio of 22.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Edinburg Teachers offer compared to banks?
Credit unions like Edinburg 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 Edinburg 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.