State credit union · Palestine, Texas · NCUA charter #67634
Trinity Valley Teachers
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $31.6M
- Total assets
- 2,969
- Members
- 30.5%
- Net-worth ratio
Trinity Valley Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67634, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Trinity Valley Teachers - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)92
- Earnings (ROA)100
- Member growth36
- Liquidity (loan-to-share)57
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
30.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 30.53% | 30% |
| Delinquency Rate | 0.69% | 25% |
| Return on Assets | 1.63% | 15% |
| Member Growth | -1.98% | 15% |
| Loan-to-Share Ratio | 28.70% | 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 | $31.6M | 2,969 |
| 2024Q4 | $30.8M | 3,029 |
| 2023Q4 | $31.0M | 3,114 |
Credit Union Details
- Charter Number
- 67634
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Palestine
- Data Quarter
- 2025Q4
What This Data Says About Trinity Valley Teachers
Charter #67634, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Trinity Valley Teachers, a state credit union in Palestine, Texas with 2,969 members, $31.6M in total assets, and $6.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 30.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 28.70% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.69% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 1.63% on net income of $515K 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 -1.98%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
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 Trinity Valley Teachers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Trinity Valley Teachers carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 30.53% net worth ratio and a 0.69% delinquency rate.
How does Trinity Valley Teachers compare to other credit unions?
PlainCU's health composite puts Trinity Valley Teachers at 82/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Trinity Valley Teachers?
Membership eligibility for Trinity Valley Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Trinity Valley Teachers directly for current membership requirements and application steps.
Is my money safe at Trinity Valley Teachers?
Federal credit unions like Trinity Valley 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. Trinity Valley Teachers's net worth ratio of 30.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trinity Valley Teachers offer compared to banks?
Credit unions like Trinity Valley 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 Trinity Valley 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.