Federal credit union · Pampa, Texas · NCUA charter #2046
Pampa Teachers
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $11.2M
- Total assets
- 1,860
- Members
- 9.4%
- Net-worth ratio
Pampa Teachers scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.2M; members 1,860; net-worth ratio 9.39%; health rank #3,956 of 4,374; healthier than 9th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,956 of 4,374 health · 2025Q4Pampa Teachers · health 63/100 · $11.2M · 2025Q4
- RANK 63/100
- PHOTO 9.4%
- BOOK 1.49%
- CHARTER -0.09%
- NCUSIF $11.2M
- CAMELS 1,860
- HEALTH #3,956/4,374
- NW K.C. Area
- DELQ 2046
Call Report peers
Pampa Teachers in the assets neighbourhood
Pampa Teachers's $11.2M assets sit next to K.C. Area ($11.2M) 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.
Pampa 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
63 9th percentile higher than 9% 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
Pampa Teachers - Share Insurance Coverage
Charter #2046'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.
Pampa Teachers vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +11.75 pp (71.55% vs 59.80%).
- Net Worth Ratio trails the peer set - 9.39% here, 14.86% peer average (-5.47 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Pampa Teachers
- In Texas, health place is #348 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #296 of 386.
- Texas membership ordinal: #264 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Pampa Teachers
Pampa Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.2% from $11.2M (2025Q4) to $10.8M (2026Q1).
- Net-worth ratio shifted -1.31 pp (10.70% → 9.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.39%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 16.3 pts
- Return on Assets 3.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.5 pts
Pampa Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.39% | -5.47 pp |
| Delinquency Rate | 1.49% | +0.35 pp |
| Return on Assets | -0.09% | -0.79 pp |
| Member Growth | -5.20% | - |
| Loan-to-Share Ratio | 71.55% | +11.75 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).
Pampa Teachers filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.8M | - |
| 2025Q4 | $11.2M | 1,860 |
| 2024Q4 | $12.1M | 1,962 |
| 2023Q4 | $13.4M | 1,961 |
Credit Union Details
- Charter Number
- 2046
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pampa
- Data Quarter
- 2025Q4
Branch Location
Pampa Teachers operates a single office in Pampa, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pampa Teachers FCU (Main Office) | Pampa, 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.
Pampa Teachers nationwide neighbourhoods
Pampa Teachers's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Pampa Teachers ranks #3,956 of 4,374 nationally on financial health and #348 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I.B.E.W. Lu 66 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.B.E.W. Lu 66
- 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 Pampa Teachers financially healthy?
A 9.39% net worth ratio and a 1.49% delinquency rate feed into Pampa Teachers's financial health score of 63/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,956 of 4,374; by total assets it ranks #3,497 of 4,374 nationally (same basis as /rankings/largest); and #296 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Pampa Teachers compare to other credit unions?
Five weighted metrics from NCUA filings produce Pampa Teachers's 63/100 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 Pampa Teachers?
Pampa 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 Pampa Teachers directly for the exact boundaries and application steps.
Is my money safe at Pampa Teachers?
Federal credit unions like Pampa 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. Pampa Teachers's net worth ratio of 9.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pampa Teachers offer compared to banks?
Credit unions like Pampa 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 Pampa 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.