Central Texas Teachers Credit Union Corsicana, Texas
Central Texas Teachers Credit Union is a state-chartered credit union headquartered in Corsicana, TX (NCUA charter 67425), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,486 members and total assets of $13.7M (up 0.3% from Q2 2025), the 278th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 15.91% at Q2 2026, in the well capitalized band.
Also written as Central Texas Teachers CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67425
- Headquarters
- Corsicana, TX
- Established
- Not reported
- Total assets, Q2 2026
- $13.7M
- Assets vs Q2 2025
- +0.3%
- Members, Q2 2026
- 1,486
- Net worth ratio, Q2 2026
- 15.91%
- Latest call report
- Q2 2026, NCUA 5300 · Central Texas Teachers Credit Union call report
- Asset rank in state
- 278th of 377 in Texas
- Routing number
- 311978708
- Branches
- 1
It has 26 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was down 0.10 percentage points from 16.01% on June 30, 2025. New vehicle loans are its largest loan category, $4.5M of $9.5M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Central Texas Teachers Credit Union
How big is Central Texas Teachers Credit Union?
At Q2 2026 it reported total assets of $13.7M and 1,486 members.
Where is Central Texas Teachers Credit Union headquartered?
It is headquartered in Corsicana, TX, United States.
Is Central Texas Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67425): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Central Texas Teachers Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Central Texas Teachers Credit Union well capitalized?
Its net worth ratio was 15.91% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Central Texas Teachers Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 82.23% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Corsicana, TX 75110
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67425
- RSSD ID
- 880695
- Members
- 1,486
- Potential members
- 3,460
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.91% | 14.31% | 58th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.82% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -5.15% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.58% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 95.14% | 79.83% | 21st bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.56% | 0.78% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.14% | 4.70% | 68th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 82.23% | 58.92% | 82nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.7M total assets against $13.7M; $11.5M total shares and deposits against $11.5M; $9.5M total loans against $9.2M.
$2.2M net worth against $2.2M.
15.91% net worth ratio against 16.01%.
82.23% loan-to-share ratio against 79.82%.
-0.82% return on assets against 0.59%; -5.15% return on equity against 3.67%.
3.58% net interest margin against 3.99%.
1,486 members against 1,512.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.91% | -0.82% | — | 82.23% |
| March 31, 2026 | 16.16% | -0.19% | — | 80.39% |
| December 31, 2025 | 15.78% | 0.80% | — | 76.94% |
| September 30, 2025 | 15.77% | 0.28% | — | 79.11% |
| June 30, 2025 | 16.01% | 0.59% | — | 79.82% |
| March 31, 2025 | 15.66% | 0.38% | — | 80.73% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.