Federal credit union · Vidor, Texas · NCUA charter #21368
Vidor Teachers
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $3.3M
- Total assets
- 471
- Members
- 15.8%
- Net-worth ratio
Vidor Teachers scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.3M; members 471; net-worth ratio 15.76%; health rank #2,230 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vidor Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Vidor Teachers sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Peer-gap read for Vidor Teachers
- Loan-to-Share Ratio leads the peer set - 83.75% here, 63.60% peer average (+20.15 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.30 pp (15.76% vs 19.06%).
Vidor Teachers in Texas
- Health composite ranks #203 of 386 among scored Texas credit unions.
- Assets rank #362 of 386 inside Texas ($3.3M reported).
- Membership ranks #366 of 386 among Texas CUs with a reported count (471 members).
- One place up in Texas, Tyler City Employees (#202) ties at 83/100; one place down, City Public Service/Ibew (#204) ties at 83/100.
Vidor Teachers Call Report trajectory
Vidor Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $3.3M (2025Q4) to $3.3M (2026Q1).
- Net-worth ratio shifted -0.06 pp (15.82% → 15.76%).
15.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Vidor Teachers gives up 17 points in total. Member Growth costs the most, 11.2 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.4 pts
- Member Growth 3.8 pts
- Loan-to-Share Ratio 14.8 pts
Vidor Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.76% | -3.30 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.12% | -0.33 pp |
| Member Growth | -2.89% | - |
| Loan-to-Share Ratio | 83.75% | +20.15 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.3M | - |
| 2025Q4 | $3.3M | 471 |
| 2024Q4 | $3.2M | 485 |
| 2023Q4 | $3.2M | 492 |
Credit Union Details
- Charter Number
- 21368
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Vidor
- Data Quarter
- 2025Q4
Branch Location
Vidor Teachers operates a single office in Vidor, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Vidor Teachers FCU (Main Office) | Vidor, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Cross-state Call Report peers for Vidor Teachers
Similar health score
Using this data
- Vidor Teachers ranks #2,230 of 4,374 nationally on financial health and #203 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Del Rio S.P. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Del Rio S.P.
Frequently Asked Questions
Is Vidor Teachers financially healthy?
Vidor Teachers has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,230 of 4,374 nationally on health and #203 of 386 in Texas. Its net worth ratio is 15.76% and its delinquency rate 0.00%.
How does Vidor Teachers compare to other credit unions?
Vidor Teachers scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (83.75% vs 63.60%). Its widest shortfall is net worth ratio (15.76% vs 19.06%).
How can I join Vidor Teachers?
Vidor Teachers is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Vidor Teachers directly to confirm eligibility.
Is my money safe at Vidor Teachers?
Vidor 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. Vidor Teachers's net worth ratio of 15.76% 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.