Federal credit union · GARDEN CITY, Kansas · NCUA charter #7662
Garden City Teachers
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $16.1M
- Total assets
- 2,048
- Members
- 7.8%
- Net-worth ratio
Garden City Teachers scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.1M; members 2,048; net-worth ratio 7.82%; health rank #2,031 of 4,374; healthier than 54th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,031 of 4,374 health · 2025Q4Garden City Teachers · health 85/100 · $16.1M · 2025Q4
- MEM 85/100
- RANK 7.8%
- PHOTO 0.82%
- BOOK 0.44%
- CHARTER $16.1M
- NCUSIF 2,048
- CAMELS #2,031/4,374
- HEALTH SEAGOVILLE
- NW 7662
Call Report peers
Garden City Teachers in the assets neighbourhood
Garden City Teachers's $16.1M assets sit next to SEAGOVILLE ($16.1M) 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.
Garden City 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
85 Top 46% higher than 54% 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
Garden City Teachers - Share Insurance Coverage
Charter #7662'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 Garden City Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.33 pp (0.82% vs 1.15%).
- Widest shortfall vs peers is Net Worth Ratio: -7.04 pp (7.82% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Garden City Teachers: in-state Call Report ranks
- Kansas health ordinal: #21 of 61.
- Kansas assets place: #42 of 61.
- Member book place in Kansas: #39 of 61.
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Garden City Teachers Call Report trajectory
Garden City Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $16.1M (2025Q4) to $16.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (7.86% → 7.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 24.6 pts
- Delinquency Rate 21.8 pts
- Return on Assets 14.2 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 12.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.82% | -7.04 pp |
| Delinquency Rate | 0.82% | -0.33 pp |
| Return on Assets | 0.44% | -0.26 pp |
| Member Growth | 2.81% | - |
| Loan-to-Share Ratio | 59.32% | -0.48 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).
Garden City Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.2M | - |
| 2025Q4 | $16.1M | 2,048 |
| 2024Q4 | $15.0M | 1,992 |
| 2023Q4 | $14.9M | 2,000 |
Credit Union Details
- Charter Number
- 7662
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- GARDEN CITY
- Data Quarter
- 2025Q4
Branch Location
Garden City Teachers operates a single office in garden city, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| teachers credit union (Main Office) | garden city, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Garden City Teachers - kept outside Kansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Garden City Teachers ranks #2,031 of 4,374 nationally on financial health and #21 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- K C K Firemen & Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with K C K Firemen & Police
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas 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 Garden City Teachers financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Garden City Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,031 of 4,374; by total assets it ranks #3,281 of 4,374 nationally (same basis as /rankings/largest); and #42 of 61 within Kansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.82% net worth ratio and 0.82% delinquency rate are the key drivers.
How does Garden City Teachers compare to other credit unions?
On PlainCU's health composite, Garden City Teachers lands at 85/100, 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 Garden City Teachers?
Garden City 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 Garden City Teachers directly for the exact boundaries and application steps.
Is my money safe at Garden City Teachers?
Federal credit unions like Garden City 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. Garden City Teachers's net worth ratio of 7.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Garden City Teachers offer compared to banks?
Credit unions like Garden City 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 Garden City 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.