State credit union · SOUTH WILLIAMSP, Pennsylvania · NCUA charter #65211
Williamsport Teachers
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $14.3M
- Total assets
- 1,082
- Members
- 20.2%
- Net-worth ratio
Williamsport Teachers scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.3M; members 1,082; net-worth ratio 20.24%; health rank #3,050 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,050 of 4,374 health · 2025Q4Williamsport Teachers · health 77/100 · $14.3M · 2025Q4
- MEM 77/100
- RANK 20.2%
- PHOTO 1.50%
- BOOK 1.15%
- CHARTER $14.3M
- NCUSIF 1,082
- CAMELS #3,050/4,374
- HEALTH ROMNEY
- NW 65211
Call Report peers
Williamsport Teachers in the assets neighbourhood
Williamsport Teachers's $14.3M assets sit next to ROMNEY ($14.3M) 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.
Williamsport 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
77 28th percentile higher than 28% 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
Williamsport Teachers - Share Insurance Coverage
Charter #65211's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Williamsport Teachers vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 20.24% vs peer 14.86% (+5.38 pp).
- Largest lag: Loan-to-Share Ratio at 54.81% vs peer 59.80% (-4.99 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Williamsport Teachers: in-state Call Report ranks
- Pennsylvania health ordinal: #187 of 275.
- By total assets, Williamsport Teachers is #191 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #210 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Williamsport Teachers: 2025Q4 → 2026Q1
Williamsport Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $14.3M (2025Q4) to $14.9M (2026Q1).
- Net-worth ratio shifted -0.60 pp (20.84% → 20.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.3 pts
- Return on Assets 15.0 pts
- Member Growth 4.5 pts
- Loan-to-Share Ratio 11.2 pts
Call Report ratios for Williamsport Teachers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.24% | +5.38 pp |
| Delinquency Rate | 1.50% | +0.35 pp |
| Return on Assets | 1.15% | +0.45 pp |
| Member Growth | -2.52% | - |
| Loan-to-Share Ratio | 54.81% | -4.99 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Williamsport Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.9M | - |
| 2025Q4 | $14.3M | 1,082 |
| 2024Q4 | $13.6M | 1,110 |
| 2023Q4 | $12.9M | 1,120 |
Credit Union Details
- Charter Number
- 65211
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- SOUTH WILLIAMSP
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Williamsport Teachers runs one office.
| Office | City |
|---|---|
| WILLIAMSPORT TEACHERS CREDIT UNION (Main Office) | SOUTH WILLIAMSPORT, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Williamsport Teachers's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Williamsport Teachers ranks #3,050 of 4,374 nationally on financial health and #187 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I.B.E.W. - Local No. 5 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.B.E.W. - Local No. 5
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Williamsport Teachers financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Williamsport Teachers carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,050 of 4,374; by total assets it ranks #3,351 of 4,374 nationally (same basis as /rankings/largest); and #191 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 20.24% net worth ratio and a 1.50% delinquency rate.
How does Williamsport Teachers compare to other credit unions?
Williamsport Teachers scores 77/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Williamsport Teachers?
Membership eligibility for Williamsport Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Williamsport Teachers directly for current membership requirements and application steps.
Is my money safe at Williamsport Teachers?
Federal credit unions like Williamsport 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. Williamsport Teachers's net worth ratio of 20.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Williamsport Teachers offer compared to banks?
Credit unions like Williamsport 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 Williamsport 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.