Federal credit union · Paris, Texas · NCUA charter #14170
Northeast Texas Teachers
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $33.0M
- Total assets
- 2,185
- Members
- 14.0%
- Net-worth ratio
Northeast Texas Teachers scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.0M; members 2,185; net-worth ratio 13.95%; health rank #3,261 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,261 of 4,374 health · 2025Q4Northeast Texas Teachers · health 75/100 · $33.0M · 2025Q4
Call Report peers
Northeast Texas Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northeast Texas Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northeast Texas Teachers sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Northeast Texas Teachers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.60 pp (1.30% vs 0.70%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -38.59 pp (21.21% vs 59.80%).
Northeast Texas Teachers in Texas
- Texas health ordinal: #287 of 386.
- Assets rank #221 of 386 inside Texas ($33.0M reported).
- Membership ranks #247 of 386 among Texas CUs with a reported count (2,185 members).
- One place up in Texas, BELTON (#286) ties at 75/100; one place down, 1st Community (#288) ties at 75/100.
Northeast Texas Teachers: 2025Q4 → 2026Q1
Northeast Texas Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $33.0M (2025Q4) to $33.9M (2026Q1).
- Net-worth ratio shifted -0.27 pp (14.22% → 13.95%).
13.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Northeast Texas Teachers gives up 25 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 8.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.95% | -0.91 pp |
| Delinquency Rate | 0.96% | -0.19 pp |
| Return on Assets | 1.30% | +0.60 pp |
| Member Growth | -4.25% | - |
| Loan-to-Share Ratio | 21.21% | -38.59 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.9M | - |
| 2025Q4 | $33.0M | 2,185 |
| 2024Q4 | $31.5M | 2,282 |
| 2023Q4 | $32.6M | 2,571 |
Credit Union Details
- Charter Number
- 14170
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Paris
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Northeast Texas Teachers, spread across 2 cities.
| Office | City |
|---|---|
| Paris Office (Main Office) | Paris, TX |
| Clarksville Office | Clarksville, TX |
| Employees United Federal Credit Union | Paris, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Cross-state Call Report peers for Northeast Texas Teachers
Similar total assets
Using this data
- Northeast Texas Teachers ranks #3,261 of 4,374 nationally on financial health and #287 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Wichita Falls is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Wichita Falls
Frequently Asked Questions
Is Northeast Texas Teachers financially healthy?
Northeast Texas Teachers has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,261 of 4,374 nationally on health and #287 of 386 in Texas. Its net worth ratio is 13.95% and its delinquency rate 0.96%.
How does Northeast Texas Teachers compare to other credit unions?
Northeast Texas Teachers scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.30% vs 0.70%). Its widest shortfall is loan-to-share ratio (21.21% vs 59.80%).
How can I join Northeast Texas Teachers?
Northeast Texas 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 Texas Teachers directly for the exact boundaries and application steps.
Is my money safe at Northeast Texas Teachers?
Northeast Texas 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. Northeast Texas Teachers's net worth ratio of 13.95% 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.