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
Call Report peers
Garden City Teachers in the assets neighbourhood
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
Garden City Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Kansas, QUANTUM (#20) ties at 85/100; one place down, Topeka Firemen's (#22) scores 84/100, 1 point lower.
Garden City Teachers Call Report trajectory
Garden City Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $16.1M (2025Q4) to $16.2M (2026Q1).
- Net-worth ratio shifted -0.04 pp (7.86% → 7.82%).
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
Garden City Teachers gives up 15 points in total. Net Worth Ratio costs the most, 5.5 of its 30; Return on Assets loses the least, 0.8.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Garden City Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Garden City Teachers scores 85/100 (Excellent), with a 7.82% net worth ratio and 0.82% of loans delinquent. It ranks #2,031 of 4,374 nationally on health and #21 of 61 in Kansas.
How does Garden City Teachers compare to other credit unions?
Garden City Teachers scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.82% vs 1.15%). Its widest shortfall is net worth ratio (7.82% vs 14.86%).
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?
Garden City Teachers is a federal 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. Garden City Teachers's net worth ratio of 7.82% 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.