State credit union · Pecos, Texas · NCUA charter #61532
Reeves County Teachers
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $11.1M
- Total assets
- 1,375
- Members
- 12.2%
- Net-worth ratio
Reeves County Teachers - Share Insurance Coverage
Charter #61532'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.
Reeves County Teachers - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)30
- Member growth50
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 12.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.23% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | -0.01% | 15% |
| Member Growth | -0.79% | 15% |
| Loan-to-Share Ratio | 90.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.1M | 1,375 |
| 2024Q4 | $11.1M | 1,386 |
| 2023Q4 | $9.6M | 1,352 |
Credit Union Details
- Charter Number
- 61532
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Pecos
- Data Quarter
- 2025Q4
What This Data Says About Reeves County Teachers
1,375 members and $11.1M in total assets sit behind Reeves County Teachers, a state credit union in Pecos, Texas, which posts a health score of 82/100 (Excellent) on the five-factor composite, with $8.7M in outstanding loans as of Q4 2025 and a net worth ratio of 12.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61532 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.36% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 90.00% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.01% on net income of $-557 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.79%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Reeves County Teachers financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Reeves County Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.23% net worth ratio and 0.36% delinquency rate are the key drivers.
How does Reeves County Teachers compare to other credit unions?
Five weighted metrics from NCUA filings produce Reeves County Teachers's 82/100 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 Reeves County Teachers?
Membership eligibility for Reeves County Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Reeves County Teachers directly for current membership requirements and application steps.
Is my money safe at Reeves County Teachers?
Federal credit unions like Reeves County 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. Reeves County Teachers's net worth ratio of 12.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Reeves County Teachers offer compared to banks?
Credit unions like Reeves County 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 Reeves County Teachers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.