State credit union · Independence, Missouri · NCUA charter #62620
Independence Teachers
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $16.1M
- Total assets
- 1,883
- Members
- 15.1%
- Net-worth ratio
Independence Teachers scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.1M; members 1,883; net-worth ratio 15.12%; health rank #1,598 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,598 of 4,374 health · 2025Q4Independence Teachers · health 87/100 · $16.1M · 2025Q4
Call Report peers
Independence Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Independence Teachers vs every NCUA-scored credit union
Independence Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Independence Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.86 pp (0.29% vs 1.15%).
- Loan-to-Share Ratio trails the peer set - 33.94% here, 59.80% peer average (-25.86 pp).
Where Independence Teachers sits in Missouri
- In Missouri, health place is #38 of 89 on the same NCUA-ratio sort used nationally.
- Assets rank #65 of 89 inside Missouri ($16.1M reported).
- Member book place in Missouri: #62 of 89.
- One place up in Missouri, LEGACY (#37) scores 88/100, 1 point higher; one place down, METRO (#39) ties at 87/100.
Independence Teachers: 2025Q4 → 2026Q1
Independence Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $16.1M (2025Q4) to $16.6M (2026Q1).
- Net-worth ratio shifted -0.28 pp (15.40% → 15.12%).
15.12% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Independence Teachers gives up 13 points in total. Member Growth costs the most, 7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for Independence Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.12% | +0.26 pp |
| Delinquency Rate | 0.29% | -0.86 pp |
| Return on Assets | 1.06% | +0.35 pp |
| Member Growth | -0.58% | - |
| Loan-to-Share Ratio | 33.94% | -25.86 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Independence Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.6M | - |
| 2025Q4 | $16.1M | 1,883 |
| 2024Q4 | $15.9M | 1,894 |
| 2023Q4 | $16.1M | 1,900 |
Credit Union Details
- Charter Number
- 62620
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Independence
- Data Quarter
- 2025Q4
Branch Location
Independence Teachers operates a single office in Independence, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Independence Teachers Credit Union (Main Office) | Independence, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group and asset size.
Independence Teachers nationwide neighbourhoods
Similar total assets
Using this data
- Independence Teachers ranks #1,598 of 4,374 nationally on financial health and #38 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Division #6 Highway is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Division #6 Highway
Frequently Asked Questions
Is Independence Teachers financially healthy?
Independence Teachers has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,598 of 4,374 nationally on health and #38 of 89 in Missouri. Its net worth ratio is 15.12% and its delinquency rate 0.29%.
How does Independence Teachers compare to other credit unions?
Independence Teachers scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.29% vs 1.15%). Its widest shortfall is loan-to-share ratio (33.94% vs 59.80%).
How can I join Independence Teachers?
Membership eligibility for Independence Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Independence Teachers directly for current membership requirements and application steps.
Is my money safe at Independence Teachers?
Independence 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. Independence Teachers's net worth ratio of 15.12% 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.