Federal credit union · WAXAHACHIE, Texas · NCUA charter #12266
Ellis County Teachers and Employees
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $18.0M
- Total assets
- 2,218
- Members
- 19.8%
- Net-worth ratio
Ellis County Teachers and Employees scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.0M; members 2,218; net-worth ratio 19.83%; health rank #884 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#884 of 4,374 health · 2025Q4Ellis County Teachers and · health 91/100 · $18.0M · 2025Q4
- ROA 91/100
- ASSETS 19.8%
- MEM 0.00%
- RANK 1.96%
- PHOTO $18.0M
- BOOK 2,218
- CHARTER #884/4,374
- NCUSIF Med Park
- CAMELS 12266
Call Report peers
Ellis County Teachers and Employees in the assets neighbourhood
Ellis County Teachers and Employees's $18.0M assets sit next to Med Park ($18.0M) 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.
Ellis County Teachers and Employees 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
91 Top 23% higher than 77% 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
Ellis County Teachers and Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12266: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Ellis County Teachers and Employees
- Net Worth Ratio leads the peer set - 19.83% here, 14.86% peer average (+4.97 pp).
- Loan-to-Share Ratio trails the peer set - 53.52% here, 59.80% peer average (-6.28 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Ellis County Teachers and Employees
- In Texas, health place is #83 of 386 on the same NCUA-ratio sort used nationally.
- By total assets, Ellis County Teachers and Employees is #265 of 386 in Texas.
- Membership ranks #246 of 386 among Texas CUs with a reported count (2,218 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.
Ellis County Teachers and Employees: 2025Q4 → 2026Q1
Ellis County Teachers and Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $18.0M (2025Q4) to $18.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (19.79% → 19.83%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 11.5 pts
Ellis County Teachers and Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.83% | +4.97 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.96% | +1.26 pp |
| Member Growth | 0.45% | - |
| Loan-to-Share Ratio | 53.52% | -6.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Ellis County Teachers and filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.4M | - |
| 2025Q4 | $18.0M | 2,218 |
| 2024Q4 | $17.3M | 2,208 |
| 2023Q4 | $17.9M | 2,231 |
Credit Union Details
- Charter Number
- 12266
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- WAXAHACHIE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Ellis County Teachers and Employees runs 2 offices.
| Office | City |
|---|---|
| Ellis County Teachers & Employees Federal Credit Union (Main Office) | WAXAHACHIE, TX |
| Shackelford Elementary School | WAXAHACHIE, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
- COWBOY COUNTRYPREMONT, TX · $10M–$50M55Health
- VICTORIA TEACHERSVictoria, TX · $10M–$50M95Health
- 1ST UNIVERSITYWaco, TX · $10M–$50M76Health
- LINKAGEWACO, TX · $10M–$50M82Health
- ILA 1351La Porte, TX · $10M–$50M94Health
Compare Ellis County Teachers and Employees vs COWBOY COUNTRY
Ellis County Teachers and Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Ellis County Teachers and Employees, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Ellis County Teachers and Employees ranks #884 of 4,374 nationally on financial health and #83 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cowboy Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cowboy Country
- 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 Ellis County Teachers and Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Ellis County Teachers and Employees carries a financial health score of 91/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #884 of 4,374; by total assets it ranks #3,209 of 4,374 nationally (same basis as /rankings/largest); and #265 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.83% net worth ratio and a 0.00% delinquency rate.
How does Ellis County Teachers and Employees compare to other credit unions?
On PlainCU's health composite, Ellis County Teachers and Employees lands at 91/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Ellis County Teachers and Employees?
Ellis County Teachers and Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Ellis County Teachers and Employees directly for the exact boundaries and application steps.
Is my money safe at Ellis County Teachers and Employees?
Federal credit unions like Ellis County Teachers and Employees 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. Ellis County Teachers and Employees's net worth ratio of 19.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Ellis County Teachers and Employees offer compared to banks?
Credit unions like Ellis County Teachers and Employees 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 Ellis County Teachers and Employees 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.