Federal credit union · Perryton, Texas · NCUA charter #19171
Northeast Panhandle Teachers
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $21.8M
- Total assets
- 2,432
- Members
- 21.4%
- Net-worth ratio
Northeast Panhandle Teachers scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.8M; members 2,432; net-worth ratio 21.36%; health rank #1,556 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,556 of 4,374 health · 2025Q4Northeast Panhandle Teachers · health 87/100 · $21.8M · 2025Q4
- HEALTH 87/100
- NW 21.4%
- DELQ 0.16%
- ROA 0.83%
- ASSETS $21.8M
- MEM 2,432
- RANK #1,556/4,374
- PHOTO Metro North
- BOOK 19171
Call Report peers
Northeast Panhandle Teachers in the assets neighbourhood
Northeast Panhandle Teachers's $21.8M assets sit next to Metro North ($21.8M) 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.
Northeast Panhandle 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
87 Top 40% higher than 60% 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
Northeast Panhandle Teachers - Share Insurance Coverage
Charter #19171'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.
Northeast Panhandle Teachers vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 75.94% vs peer 59.80% (+16.14 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northeast Panhandle Teachers: in-state Call Report ranks
- Health composite ranks #146 of 386 among scored Texas credit unions.
- By total assets, Northeast Panhandle Teachers is #248 of 386 in Texas.
- Membership ranks #236 of 386 among Texas CUs with a reported count (2,432 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.
How Northeast Panhandle Teachers's 5300 filing moved
Northeast Panhandle Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $21.8M (2025Q4) to $21.9M (2026Q1).
- Net-worth ratio shifted +0.16 pp (21.20% → 21.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.36% 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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 14.8 pts
Northeast Panhandle Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.36% | +6.50 pp |
| Delinquency Rate | 0.16% | -0.98 pp |
| Return on Assets | 0.83% | +0.13 pp |
| Member Growth | -3.80% | - |
| Loan-to-Share Ratio | 75.94% | +16.14 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 | $21.9M | - |
| 2025Q4 | $21.8M | 2,432 |
| 2024Q4 | $21.6M | 2,528 |
| 2023Q4 | $22.4M | 2,557 |
Credit Union Details
- Charter Number
- 19171
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Perryton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Northeast Panhandle Teachers, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Perryton, TX |
| Fidelity National Information Services | West Valley City, UT |
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.
Northeast Panhandle Teachers nationwide neighbourhoods
Cross-state asset and health neighbours for Northeast Panhandle Teachers - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($21.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Northeast Panhandle Teachers ranks #1,556 of 4,374 nationally on financial health and #146 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MCMURREY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MCMURREY
- 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 Northeast Panhandle Teachers financially healthy?
Northeast Panhandle Teachers has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,556 of 4,374; by total assets it ranks #3,091 of 4,374 nationally (same basis as /rankings/largest); and #248 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 21.36% and delinquency rate of 0.16%.
How does Northeast Panhandle Teachers compare to other credit unions?
Five weighted metrics from NCUA filings produce Northeast Panhandle Teachers's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Northeast Panhandle Teachers?
Northeast Panhandle 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 Northeast Panhandle Teachers directly for the exact boundaries and application steps.
Is my money safe at Northeast Panhandle Teachers?
Federal credit unions like Northeast Panhandle 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. Northeast Panhandle Teachers's net worth ratio of 21.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northeast Panhandle Teachers offer compared to banks?
Credit unions like Northeast Panhandle 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 Northeast Panhandle 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.