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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,964 of 4,374 health · 2025Q4Wichita Falls Teachers · health 85/100 · $111.7M · 2025Q4
- DELQ 85/100
- ROA 12.2%
- ASSETS 0.74%
- MEM 0.37%
- RANK $111.7M
- PHOTO 6,276
- BOOK #1,964/4,374
- CHARTER Peoples Advantage
- NCUSIF 2112
Call Report peers
Wichita Falls Teachers in the assets neighbourhood
Wichita Falls Teachers's $111.7M assets sit next to Peoples Advantage ($111.6M) 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.
Wichita Falls 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
85 Top 46% higher than 54% 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
Wichita Falls Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #2112, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Wichita Falls Teachers: 2025Q4 → 2026Q1
Wichita Falls Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $111.7M (2025Q4) to $115.0M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.37% → 12.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Wichita Falls 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 ($111.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 Wichita Falls Teachers financially healthy?
Wichita Falls Teachers scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,964 of 4,374; by total assets it ranks #1,737 of 4,374 nationally (same basis as /rankings/largest); and #140 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.20% net worth ratio and a 0.74% delinquency rate.
How does Wichita Falls Teachers compare to other credit unions?
PlainCU's health composite puts Wichita Falls Teachers at 85/100, compared to a peer group average for $100M–$500M 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 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?
Federal credit unions like Wichita Falls 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. Wichita Falls Teachers's net worth ratio of 12.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Wichita Falls Teachers offer compared to banks?
Credit unions like Wichita Falls 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 Wichita Falls 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.