Credit Union Safety Analysis
Is Teachers Credit Union Safe? Oklahoma City, Oklahoma
Based on its Q2 2026 NCUA 5300 call report, Teachers Credit Union has a net worth ratio of 31.52%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.34%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Teachers Credit Union's net worth ratio is 31.52%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 31.52%
- Delinquency ratio (60+ days) (Q2 2026): 0.34%
- Return on assets (Q2 2026): 0.21%
- Loan-to-share ratio (Q2 2026): 62.07%
Teachers Credit Union (NCUA charter 65774, established 1935) reported $6.3M in assets and 1,282 members for Q2 2026 from Oklahoma City, Oklahoma. It ranks 47 of 51 credit unions in Oklahoma by total assets. Total assets fell 6.5% from $6.8M on June 30, 2025. It has 128 fewer members than on June 30, 2025 (-9.1%). Its net worth ratio was down 0.16 percentage points from 31.68% on June 30, 2025. Used vehicle loans are its largest loan category, $1.3M of $2.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.34% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 31.07% for Q1 2026; 31.68% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.60% for Q1 2026; 7.23% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -3.07% for Q1 2026; -0.25% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 61.61% for Q1 2026; 70.93% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.3M
- Other unsecured loans and lines of credit: $1.0M
- New vehicle loans: $351K
- Other secured non-real estate loans and lines of credit: $49K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.3M | 31.52% | 0.34% | 0.21% | 62.07% |
| March 31, 2026 | $6.4M | 31.07% | 0.60% | -3.07% | 61.61% |
| December 31, 2025 | $6.5M | 31.59% | 4.62% | -6.20% | 67.54% |
| September 30, 2025 | $6.7M | 32.18% | 1.16% | -0.20% | 70.36% |
| June 30, 2025 | $6.8M | 31.68% | 7.23% | -0.25% | 70.93% |
| March 31, 2025 | $6.8M | 31.57% | 6.31% | -0.09% | 67.08% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65774) · FFIEC NIC profile (RSSD 1018150)
Frequently asked questions
Is Teachers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Teachers Credit Union's net worth ratio is 31.52%, above the 7% NCUA threshold for well capitalized.
Is Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Teachers Credit Union is a federally insured credit union (NCUA charter 65774): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Teachers Credit Union's key safety ratios?
For Q2 2026, Teachers Credit Union reports net worth 31.52%, delinquency 0.34%, ROA 0.21%, loan-to-share 62.07%.
What happens to my money if Teachers Credit Union fails?
For Q2 2026, Teachers Credit Union held $4.4M in shares and deposits for 1,282 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.