State credit union · Wharton, Texas · NCUA charter #67458
Wharton County Teachers
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $7.8M
- Total assets
- 677
- Members
- 27.9%
- Net-worth ratio
Wharton County Teachers scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.8M; members 677; net-worth ratio 27.90%; health rank #2,197 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,197 of 4,374 health · 2025Q4Wharton County Teachers · health 83/100 · $7.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wharton County Teachers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Wharton County 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
Wharton County Teachers: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +8.84 pp (27.90% vs 19.06%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.70 pp (49.90% vs 63.60%).
Where Wharton County Teachers sits in Texas
- Texas health ordinal: #197 of 386.
- Assets rank #321 of 386 inside Texas ($7.8M reported).
- Member book place in Texas: #347 of 386.
- One place up in Texas, Members Financial (#196) scores 84/100, 1 point higher; one place down, CAPITAL (#198) ties at 83/100.
How Wharton County Teachers's 5300 filing moved
Wharton County Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.6% from $7.8M (2025Q4) to $7.5M (2026Q1).
- Net-worth ratio shifted +1.18 pp (26.72% → 27.90%).
At 27.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Wharton County Teachers gives up 17 points in total. Member Growth costs the most, 12.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 10.4 pts
Wharton County Teachers health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.90% | +8.84 pp |
| Delinquency Rate | 0.10% | -1.71 pp |
| Return on Assets | 0.82% | +0.37 pp |
| Member Growth | -3.56% | - |
| Loan-to-Share Ratio | 49.90% | -13.70 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.5M | - |
| 2025Q4 | $7.8M | 677 |
| 2024Q4 | $8.6M | 702 |
| 2023Q4 | $8.5M | 716 |
Credit Union Details
- Charter Number
- 67458
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Wharton
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Wharton County Teachers runs one office.
| Office | City |
|---|---|
| Wharton County Teachers Credit Union (Main Office) | Wharton, TX |
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.
Cross-state Call Report peers for Wharton County Teachers
Using this data
- Wharton County Teachers ranks #2,197 of 4,374 nationally on financial health and #197 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Port of Houston is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Port of Houston
Frequently Asked Questions
Is Wharton County Teachers financially healthy?
Wharton County Teachers has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,197 of 4,374 nationally on health and #197 of 386 in Texas. Its net worth ratio is 27.90% and its delinquency rate 0.10%.
How does Wharton County Teachers compare to other credit unions?
Wharton County 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 net worth ratio (27.90% vs 19.06%). Its widest shortfall is loan-to-share ratio (49.90% vs 63.60%).
How can I join Wharton County Teachers?
Membership eligibility for Wharton County Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Wharton County Teachers directly for current membership requirements and application steps.
Is my money safe at Wharton County Teachers?
Wharton County Teachers is a state-chartered 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. Wharton County Teachers's net worth ratio of 27.90% 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.