State credit union · Pecos, Texas · NCUA charter #61532
Reeves County Teachers
Health score 82/100, grade A (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 scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.1M; members 1,375; net-worth ratio 12.23%; health rank #2,435 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,435 of 4,374 health · 2025Q4Reeves County Teachers · health 82/100 · $11.1M · 2025Q4
- BOOK 82/100
- CHARTER 12.2%
- NCUSIF 0.36%
- CAMELS -0.01%
- HEALTH $11.1M
- NW 1,375
- DELQ #2,435/4,374
- ROA ASA
- ASSETS 61532
Call Report peers
Reeves County Teachers in the assets neighbourhood
Reeves County Teachers's $11.1M assets sit next to ASA ($11.1M) 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.
Reeves County 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
82 43rd percentile higher than 43% 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
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.
Where Reeves County Teachers diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 90.00% vs peer 59.80% (+30.20 pp).
- Largest lag: Net Worth Ratio at 12.23% vs peer 14.86% (-2.63 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Reeves County Teachers: in-state Call Report ranks
- In Texas, health place is #222 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #298 of 386.
- Membership ranks #292 of 386 among Texas CUs with a reported count (1,375 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.
Quarter path for Reeves County Teachers
Reeves County Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $11.1M (2025Q4) to $11.4M (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.23% → 12.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.5 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Reeves County Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.23% | -2.63 pp |
| Delinquency Rate | 0.36% | -0.79 pp |
| Return on Assets | -0.01% | -0.71 pp |
| Member Growth | -0.79% | - |
| Loan-to-Share Ratio | 90.00% | +30.20 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 | $11.4M | - |
| 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
Branch Location
Reeves County Teachers operates a single office in Pecos, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Reeves County Teachers Credit Union (Main Office) | Pecos, TX |
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Reeves County Teachers, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Reeves County Teachers ranks #2,435 of 4,374 nationally on financial health and #222 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BROWNFIELD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BROWNFIELD
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,435 of 4,374; by total assets it ranks #3,502 of 4,374 nationally (same basis as /rankings/largest); and #298 of 386 within Texas. 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.
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.