Federal credit union · Smithtown, New York · NCUA charter #8116
TEACHERS
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $9.92B
- Total assets
- 472,407
- Members
- 10.8%
- Net-worth ratio
TEACHERS scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.92B; members 472,407; net-worth ratio 10.81%; health rank #1,481 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,481 of 4,374 health · 2025Q4TEACHERS · health 88/100 · $9.92B · 2025Q4
Call Report peers
TEACHERS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TEACHERS vs every NCUA-scored credit union
TEACHERS sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TEACHERS: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 69.87% here, 83.90% peer average (-14.03 pp).
TEACHERS in New York
- Health composite ranks #82 of 272 among scored New York credit unions.
- By total assets, TEACHERS is #3 of 272 in New York.
- Membership ranks #4 of 272 among New York CUs with a reported count (472,407 members).
- One place up in New York, Western New York (#81) ties at 88/100; one place down, NORTHERN (#83) ties at 88/100.
Quarter path for TEACHERS
TEACHERS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $9.92B (2025Q4) to $9.94B (2026Q1).
- Net-worth ratio shifted +0.23 pp (10.58% → 10.81%).
This credit union's 10.81% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
TEACHERS gives up 12 points in total. Delinquency Rate costs the most, 7.2 of its 25; Loan-to-Share Ratio and Net Worth Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 14.8 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.81% | -0.37 pp |
| Delinquency Rate | 1.29% | +0.41 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 0.96% | - |
| Loan-to-Share Ratio | 69.87% | -14.03 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - TEACHERS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.94B | - |
| 2025Q4 | $9.92B | 472,407 |
| 2024Q4 | $9.86B | 467,898 |
| 2023Q4 | $9.87B | 455,445 |
Credit Union Details
- Charter Number
- 8116
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Smithtown
- Data Quarter
- 2025Q4
Branch Locations (34)
The NCUA branch filing lists 34 physical offices for TEACHERS, spread across 32 cities in 2 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Hauppauge, NY |
| Amityville | Amityville, NY |
| Bay Shore | Bay Shore, NY |
| Center Moriches | Center Moriches, NY |
| Central Islip | Central Islip, NY |
| Commack | Commack, NY |
| East Meadow | East Meadow, NY |
| East Northport | East Northport, NY |
| Farmingville | FARMINGVILLE, NY |
| Hauppauge Branch | Hauppauge, NY |
| Holbrook | Holbrook, NY |
| The Shops at SunVet | Holbrook, NY |
| Huntington | Huntington, NY |
| Kings Park | Kings Park, NY |
| Lake Mary | Lake Mary, FL |
| Manorville | Manorville, NY |
| North Massapequa | Massapequa, NY |
| Merrick | Merrick, NY |
| Naples | Naples, FL |
| Nesconset | Nesconset, NY |
| North Babylon | North Babylon, NY |
| Oakdale | Oakdale, NY |
| Patchogue | Patchogue, NY |
| Port Jefferson Station | Port Jefferson Station, NY |
| Riverhead | Riverhead, NY |
| Rocky Point | Rocky Point, NY |
| Selden | Selden, NY |
| Shirley | Shirley, NY |
| Smithtown | Smithtown, NY |
| South Setauket | South Setauket, NY |
| Stony Brook | Stony Brook, NY |
| Tampa Westshore | Tampa, FL |
| Brookhaven National Lab (BNL) | Upton, NY |
| Wading River | Wading River, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near TEACHERS
Using this data
- TEACHERS ranks #1,481 of 4,374 nationally on financial health and #82 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ESL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ESL
Frequently Asked Questions
Is TEACHERS financially healthy?
TEACHERS has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,481 of 4,374 nationally on health and #82 of 272 in New York. Its net worth ratio is 10.81% and its delinquency rate 1.29%.
How does TEACHERS compare to other credit unions?
TEACHERS scores 88/100, higher than 65% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (69.87% vs 83.90%).
How can I join TEACHERS?
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 TEACHERS directly for the exact boundaries and application steps.
Is my money safe at TEACHERS?
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. TEACHERS's net worth ratio of 10.81% 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.