State credit union · Oklahoma CIty, Oklahoma · NCUA charter #65774
TEACHERS
Health score 44/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 44
- Health / 100
- $6.5M
- Total assets
- 1,328
- Members
- 31.1%
- Net-worth ratio
TEACHERS scores 44/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.5M; members 1,328; net-worth ratio 31.07%; health rank #4,319 of 4,374; healthier than 1st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,319 of 4,374 health · 2025Q4TEACHERS · health 44/100 · $6.5M · 2025Q4
- PHOTO 44/100
- BOOK 31.1%
- CHARTER 4.62%
- NCUSIF -1.30%
- CAMELS $6.5M
- HEALTH 1,328
- NW #4,319/4,374
- DELQ n/a
- ROA 65774
Call Report peers
TEACHERS carries $6.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
44 1st percentile higher than 1% 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
TEACHERS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65774. See our deposit-insurance coverage note.
Where TEACHERS diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +12.01 pp (31.07% vs 19.06%).
- Largest lag: Delinquency Rate at 4.62% vs peer 1.81% (+2.81 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Oklahoma standing for TEACHERS
- Health composite ranks #52 of 53 among scored Oklahoma credit unions.
- Assets rank #49 of 53 inside Oklahoma ($6.5M reported).
- Oklahoma membership ordinal: #46 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TEACHERS: 2025Q4 → 2026Q1
TEACHERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $6.5M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted -0.52 pp (31.59% → 31.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
31.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 44/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 44.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
TEACHERS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 31.07% | +12.01 pp |
| Delinquency Rate | 4.62% | +2.81 pp |
| Return on Assets | -1.30% | -1.75 pp |
| Member Growth | -38.55% | - |
| Loan-to-Share Ratio | 67.54% | +3.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.4M | - |
| 2025Q4 | $6.5M | 1,328 |
| 2024Q4 | $6.5M | 2,161 |
| 2023Q4 | $7.0M | 2,269 |
Credit Union Details
- Charter Number
- 65774
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Oklahoma
- City
- Oklahoma CIty
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for TEACHERS.
| Office | City |
|---|---|
| Teachers CU (Main Office) | Oklahoma CIty, OK |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
A look at other Oklahoma credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for TEACHERS
TEACHERS's nationwide photo peers by assets and by health score, excluding Oklahoma charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (44/100 here).
Using this data
- TEACHERS ranks #4,319 of 4,374 nationally on financial health and #52 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Growing Oaks is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Growing Oaks
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma 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 TEACHERS financially healthy?
TEACHERS scores 44/100 (Below Average) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,319 of 4,374; by total assets it ranks #3,765 of 4,374 nationally (same basis as /rankings/largest); and #49 of 53 within Oklahoma. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 31.07% net worth ratio and a 4.62% delinquency rate.
How does TEACHERS compare to other credit unions?
TEACHERS scores 44/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 TEACHERS?
Membership eligibility for TEACHERS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TEACHERS directly for current membership requirements and application steps.
Is my money safe at TEACHERS?
Federal credit unions like 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. TEACHERS's net worth ratio of 31.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TEACHERS offer compared to banks?
Credit unions like 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 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.