Federal credit union · Crestview, Florida · NCUA charter #13534
Okaloosa County Teachers
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $130.5M
- Total assets
- 9,292
- Members
- 9.5%
- Net-worth ratio
Okaloosa County Teachers scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $130.5M; members 9,292; net-worth ratio 9.50%; health rank #3,359 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,359 of 4,374 health · 2025Q4Okaloosa County Teachers · health 74/100 · $130.5M · 2025Q4
Call Report peers
Okaloosa County Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Okaloosa County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Okaloosa County Teachers sits in 70-74 with 317 others.
74 23rd percentile higher than 23% 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
Peer-gap read for Okaloosa County Teachers
- Largest favorable gap: Return on Assets at 0.68% vs peer 0.62% (+0.06 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.80 pp (47.40% vs 72.20%).
Florida standing for Okaloosa County Teachers
- Health composite ranks #95 of 109 among scored Florida credit unions.
- Florida assets place: #66 of 109.
- Florida membership ordinal: #63 of 109.
- One place up in Florida, Power Financial (#94) ties at 74/100; one place down, Jefferson County Teachers (#96) scores 73/100, 1 point lower.
Okaloosa County Teachers Call Report trajectory
Okaloosa County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $130.5M (2025Q4) to $133.6M (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.65% → 9.50%).
9.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 74/100 score is built
Okaloosa County Teachers gives up 26 points in total. Member Growth costs the most, 10.2 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 15.3 pts
- Return on Assets 15.0 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 10.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.50% | -2.61 pp |
| Delinquency Rate | 1.62% | +0.73 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | -2.32% | - |
| Loan-to-Share Ratio | 47.40% | -24.80 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Okaloosa County Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $133.6M | - |
| 2025Q4 | $130.5M | 9,292 |
| 2024Q4 | $128.1M | 9,513 |
| 2023Q4 | $121.7M | 9,550 |
Credit Union Details
- Charter Number
- 13534
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Crestview
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Okaloosa County Teachers, spread across 5 cities.
| Office | City |
|---|---|
| Okaloosa County Teachers FCU (Main Office) | Crestview, FL |
| Okaloosa County Teachers FCU | Baker, FL |
| Okaloosa County Teachers FCU | Fort Walton Beach, FL |
| Okaloosa County Teachers FCU | Laurel Hill, FL |
| Okaloosa County Teachers FCU | Niceville, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
A look at other Florida credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Okaloosa County Teachers
Using this data
- Okaloosa County Teachers ranks #3,359 of 4,374 nationally on financial health and #95 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COASTLINE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COASTLINE
Frequently Asked Questions
Is Okaloosa County Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Okaloosa County Teachers scores 74/100 (Very Good), with a 9.50% net worth ratio and 1.62% of loans delinquent. It ranks #3,359 of 4,374 nationally on health and #95 of 109 in Florida.
How does Okaloosa County Teachers compare to other credit unions?
Okaloosa County Teachers scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.68% vs 0.62%). Its widest shortfall is loan-to-share ratio (47.40% vs 72.20%).
How can I join Okaloosa County Teachers?
Okaloosa County 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 Okaloosa County Teachers directly for the exact boundaries and application steps.
Is my money safe at Okaloosa County Teachers?
Okaloosa County 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. Okaloosa County Teachers's net worth ratio of 9.50% 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.