State credit union · Palestine, Texas · NCUA charter #67634
Trinity Valley Teachers
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $31.6M
- Total assets
- 2,969
- Members
- 30.4%
- Net-worth ratio
Trinity Valley Teachers scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.6M; members 2,969; net-worth ratio 30.44%; health rank #2,362 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,362 of 4,374 health · 2025Q4Trinity Valley Teachers · health 82/100 · $31.6M · 2025Q4
- ROA 82/100
- ASSETS 30.4%
- MEM 0.69%
- RANK 1.63%
- PHOTO $31.6M
- BOOK 2,969
- CHARTER #2,362/4,374
- NCUSIF GHA
- CAMELS 67634
Call Report peers
Trinity Valley Teachers in the assets neighbourhood
Trinity Valley Teachers's $31.6M assets sit next to GHA ($31.6M) 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.
Trinity Valley 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
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.
Peer-gap read for Trinity Valley Teachers
- Net Worth Ratio leads the peer set - 30.44% here, 14.86% peer average (+15.58 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -31.10 pp (28.70% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Trinity Valley Teachers
- Texas health ordinal: #213 of 386.
- By total assets, Trinity Valley Teachers is #222 of 386 in Texas.
- Membership ranks #216 of 386 among Texas CUs with a reported count (2,969 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.
Trinity Valley Teachers: 2025Q4 → 2026Q1
Trinity Valley Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $31.6M (2025Q4) to $32.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (30.53% → 30.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
30.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 23.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 8.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.44% | +15.58 pp |
| Delinquency Rate | 0.69% | -0.46 pp |
| Return on Assets | 1.63% | +0.93 pp |
| Member Growth | -1.98% | - |
| Loan-to-Share Ratio | 28.70% | -31.10 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).
Call Report history - Trinity Valley Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.1M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Trinity Valley Teachers runs 3 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| TVTCU (Main Office) | Palestine, TX |
| Disaster Recovery Loacation | Palestine, TX |
| Vital Records Center | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Trinity Valley Teachers nationwide neighbourhoods
Trinity Valley Teachers's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($31.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Trinity Valley Teachers ranks #2,362 of 4,374 nationally on financial health and #213 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Community
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,362 of 4,374; by total assets it ranks #2,812 of 4,374 nationally (same basis as /rankings/largest); and #222 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 30.44% 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 30.44% 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.
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.