Federal credit union · Wichita Falls, Texas · NCUA charter #2112
Wichita Falls Teachers
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $111.7M
- Total assets
- 6,276
- Members
- 12.2%
- Net-worth ratio
Wichita Falls Teachers scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $111.7M; members 6,276; net-worth ratio 12.20%; health rank #1,964 of 4,374; healthier than 54th of scored peers.
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NCUA 5300 Call Report Masthead
#1,964 of 4,374 health · 2025Q4Wichita Falls Teachers · health 85/100 · $111.7M · 2025Q4
Call Report peers
Wichita Falls Teachers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Wichita Falls Teachers vs every NCUA-scored credit union
Wichita Falls Teachers sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Wichita Falls Teachers diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.16 pp (0.74% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 56.30% here, 72.20% peer average (-15.90 pp).
Wichita Falls Teachers in Texas
- Health composite ranks #180 of 386 among scored Texas credit unions.
- Assets rank #140 of 386 inside Texas ($111.7M reported).
- Texas membership ordinal: #159 of 386.
- One place up in Texas, Laredo Fire Department (#179) ties at 85/100; one place down, United Community (#181) ties at 85/100.
Wichita Falls Teachers: 2025Q4 → 2026Q1
Wichita Falls Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $111.7M (2025Q4) to $115.0M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.37% → 12.20%).
At 12.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Wichita Falls Teachers gives up 15 points in total. Member Growth costs the most, 7.8 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 13.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 12.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | +0.09 pp |
| Delinquency Rate | 0.74% | -0.16 pp |
| Return on Assets | 0.37% | -0.25 pp |
| Member Growth | -1.03% | - |
| Loan-to-Share Ratio | 56.30% | -15.90 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Wichita Falls Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $115.0M | - |
| 2025Q4 | $111.7M | 6,276 |
| 2024Q4 | $99.4M | 6,341 |
| 2023Q4 | $98.8M | 6,354 |
Credit Union Details
- Charter Number
- 2112
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Wichita Falls
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Wichita Falls Teachers runs one office.
| Office | City |
|---|---|
| Wichita Falls Teachers Federal Credit Union (Main Office) | Wichita Falls, 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.
Nationwide credit unions with similar profiles
Using this data
- Wichita Falls Teachers ranks #1,964 of 4,374 nationally on financial health and #180 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southwest 66 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southwest 66
Frequently Asked Questions
Is Wichita Falls Teachers financially healthy?
On its 2025Q4 NCUA 5300 filing, Wichita Falls Teachers scores 85/100 (Excellent), with a 12.20% net worth ratio and 0.74% of loans delinquent. It ranks #1,964 of 4,374 nationally on health and #180 of 386 in Texas.
How does Wichita Falls Teachers compare to other credit unions?
Wichita Falls Teachers scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.74% vs 0.89%). Its widest shortfall is loan-to-share ratio (56.30% vs 72.20%).
How can I join Wichita Falls Teachers?
Wichita Falls 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 Wichita Falls Teachers directly for the exact boundaries and application steps.
Is my money safe at Wichita Falls Teachers?
Wichita Falls 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. Wichita Falls Teachers's net worth ratio of 12.20% 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.