Federal credit union · BONHAM, Texas · NCUA charter #19741
Fannin County Teachers
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $10.2M
- Total assets
- 1,112
- Members
- 28.6%
- Net-worth ratio
Fannin County Teachers scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.2M; members 1,112; net-worth ratio 28.58%; health rank #2,919 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,919 of 4,374 health · 2025Q4Fannin County Teachers · health 78/100 · $10.2M · 2025Q4
- DELQ 78/100
- ROA 28.6%
- ASSETS 1.07%
- MEM 1.21%
- RANK $10.2M
- PHOTO 1,112
- BOOK #2,919/4,374
- CHARTER Va Beach Postal
- NCUSIF 19741
Call Report peers
Fannin County Teachers in the assets neighbourhood
Fannin County Teachers's $10.2M assets sit next to Va Beach Postal ($10.2M) 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.
Fannin County 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
78 31st percentile higher than 31% 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
Fannin County Teachers - Share Insurance Coverage
Charter #19741's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Fannin County Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +49.50 pp (109.30% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Fannin County Teachers: in-state Call Report ranks
- Health composite ranks #258 of 386 among scored Texas credit unions.
- By total assets, Fannin County Teachers is #308 of 386 in Texas.
- Texas membership ordinal: #313 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Fannin County Teachers: 2025Q4 → 2026Q1
Fannin County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.1% from $10.2M (2025Q4) to $9.9M (2026Q1).
- Net-worth ratio shifted +1.12 pp (27.46% → 28.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 28.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.9 pts
- Loan-to-Share Ratio 6.7 pts
Fannin County Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.58% | +13.72 pp |
| Delinquency Rate | 1.07% | -0.07 pp |
| Return on Assets | 1.21% | +0.50 pp |
| Member Growth | -1.16% | - |
| Loan-to-Share Ratio | 109.30% | +49.50 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.9M | - |
| 2025Q4 | $10.2M | 1,112 |
| 2024Q4 | $10.1M | 1,125 |
| 2023Q4 | $10.6M | 1,145 |
Credit Union Details
- Charter Number
- 19741
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- BONHAM
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Fannin County Teachers runs one office.
| Office | City |
|---|---|
| FANNIN CO TEACHERS FCU (Main Office) | BONHAM, 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.
Cross-state Call Report peers for Fannin County Teachers
Two NCUA Call Report peer sets for Fannin County Teachers, 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 ($10.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Fannin County Teachers ranks #2,919 of 4,374 nationally on financial health and #258 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VATAT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VATAT
- 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 Fannin County Teachers financially healthy?
Fannin County Teachers scores 78/100 (Very Good) 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 #2,919 of 4,374; by total assets it ranks #3,553 of 4,374 nationally (same basis as /rankings/largest); and #308 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 28.58% net worth ratio and a 1.07% delinquency rate.
How does Fannin County Teachers compare to other credit unions?
78/100 is Fannin County Teachers's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Fannin County Teachers?
Fannin County Teachers 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 Fannin County Teachers directly for the exact boundaries and application steps.
Is my money safe at Fannin County Teachers?
Federal credit unions like Fannin County 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. Fannin County Teachers's net worth ratio of 28.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fannin County Teachers offer compared to banks?
Credit unions like Fannin County 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 Fannin County 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.