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
Call Report peers
Edinburg Teachers in the assets neighbourhood
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
Edinburg Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Texas, Port of Houston (#155) ties at 86/100; one place down, SEAGOVILLE (#157) ties at 86/100.
Quarter path for Edinburg Teachers
Edinburg Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $96.8M (2025Q4) to $97.6M (2026Q1).
- Net-worth ratio shifted -0.16 pp (22.73% → 22.57%).
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
Edinburg Teachers gives up 14 points in total. Loan-to-Share Ratio costs the most, 6.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Edinburg Teachers financially healthy?
Edinburg Teachers has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,747 of 4,374 nationally on health and #156 of 386 in Texas. Its net worth ratio is 22.57% and its delinquency rate 0.01%.
How does Edinburg Teachers compare to other credit unions?
Edinburg Teachers scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (22.57% vs 13.62%). Its widest shortfall is loan-to-share ratio (27.14% vs 62.60%).
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?
Edinburg 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. Edinburg Teachers's net worth ratio of 22.57% 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.