Federal credit union · DEFUNIAK SPRING, Florida · NCUA charter #14186
Walton County Teachers
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $28.6M
- Total assets
- 2,522
- Members
- 10.3%
- Net-worth ratio
Walton County Teachers scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.6M; members 2,522; net-worth ratio 10.26%; health rank #2,457 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,457 of 4,374 health · 2025Q4Walton County Teachers · health 82/100 · $28.6M · 2025Q4
Call Report peers
Walton County Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Walton County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Walton County Teachers sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Walton County Teachers diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.64 pp (1.35% vs 0.70%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.29 pp (53.51% vs 59.80%).
Walton County Teachers: in-state Call Report ranks
- Health composite ranks #76 of 109 among scored Florida credit unions.
- Florida assets place: #91 of 109.
- Florida membership ordinal: #88 of 109.
- One place up in Florida, Santa Rosa County (#75) ties at 82/100; one place down, POWERNET (#77) ties at 82/100.
Quarter path for Walton County Teachers
Walton County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.7% from $28.6M (2025Q4) to $30.3M (2026Q1).
- Net-worth ratio shifted -0.32 pp (10.58% → 10.26%).
10.26% 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
Walton County Teachers gives up 18 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 11.6 pts
Walton County Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.26% | -4.60 pp |
| Delinquency Rate | 0.96% | -0.18 pp |
| Return on Assets | 1.35% | +0.64 pp |
| Member Growth | -2.21% | - |
| Loan-to-Share Ratio | 53.51% | -6.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Walton County Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.3M | - |
| 2025Q4 | $28.6M | 2,522 |
| 2024Q4 | $26.4M | 2,579 |
| 2023Q4 | $25.7M | 2,723 |
Credit Union Details
- Charter Number
- 14186
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- DEFUNIAK SPRING
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Walton County Teachers.
| Office | City |
|---|---|
| WALTON COUNTY TEACHERS FCU (Main Office) | DEFUNIAK SPRINGS, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near Walton County Teachers
Using this data
- Walton County Teachers ranks #2,457 of 4,374 nationally on financial health and #76 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Florida a & M University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Florida a & M University
Frequently Asked Questions
Is Walton County Teachers financially healthy?
Walton County Teachers has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,457 of 4,374 nationally on health and #76 of 109 in Florida. Its net worth ratio is 10.26% and its delinquency rate 0.96%.
How does Walton County Teachers compare to other credit unions?
Walton County Teachers scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.35% vs 0.70%). Its widest shortfall is loan-to-share ratio (53.51% vs 59.80%).
How can I join Walton County Teachers?
Walton County 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 Walton County Teachers directly for the exact boundaries and application steps.
Is my money safe at Walton County Teachers?
Walton County 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. Walton County Teachers's net worth ratio of 10.26% 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.