TellerScore

Central Texas Teachers Credit Union (NCUA charter #67425) is based in Corsicana, Texas. Its Q2 2026 call report shows $13.7M in total assets and $11.5M in member shares and deposits.

Based on its Q2 2026 filing, Central Texas Teachers Credit Union scores 77/100, which we describe as strong. That is higher than 57% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 151st. Its strongest component is capital cushion (100/100; 15.91%), and its lowest is earnings (0/100; -0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.91%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings0/100
Return on assets (annualized): -0.50%
Funding & liquidity78/100
Loans ÷ shares: 82.2% · 1.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (85 → 77), mostly because the earnings component weakened by 39 points.

TellerScore
778389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202485
Q3 202488
Q4 202489
Q1 202584
Q2 202585
Q3 202584
Q4 202585
Q1 202679
Q2 202677
Net worth ratio
7.00%11.58%16.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.41%
Q3 202415.00%
Q4 202415.31%
Q1 202515.66%
Q2 202516.01%
Q3 202515.77%
Q4 202515.78%
Q1 202616.16%
Q2 202615.91%
Delinquent loans (60+ days)
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.50%0.22%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.87%
Q4 20240.95%
Q1 20250.38%
Q2 20250.48%
Q3 20250.41%
Q4 20250.50%
Q1 2026-0.19%
Q2 2026-0.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$13.7M15.91%0.00%-0.50%82.2%
Q1 202679$13.7M16.16%0.00%-0.19%80.4%
Q4 202585$14.1M15.78%0.00%0.50%76.9%
Q3 202584$14.0M15.77%0.00%0.41%79.1%
Q2 202585$13.7M16.01%0.00%0.48%79.8%
Q1 202584$13.9M15.66%0.00%0.38%80.7%
Q4 202489$14.1M15.31%0.00%0.95%78.1%
Q3 202488$14.2M15.00%0.00%0.87%80.9%
Q2 202485$14.5M14.41%0.00%0.69%80.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.91%
60th
Problem loans0.00%
94th
Net charge-offs0.50%
27th
Return on assets-0.50%
11th
Loans to deposits82.2%
17th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Cherokee County Teachers Federal Credit UnionCredit union Rusk, TX56 out of 100, Moderate$13.9M20.0%2.13%vs
Friona Texas Federal Credit UnionCredit union Friona, TX49 out of 100, Below average$14.1M14.7%12.40%vs
Refugio County Federal Credit UnionCredit union Refugio, TX87 out of 100, Very strong$14.2M16.4%0.42%vs
Scurry County School Federal Credit UnionCredit union Snyder, TX71 out of 100, Strong$13.2M13.9%0.53%vs
Morris Sheppard Texarkana Federal Credit UnionCredit union Texarkana, TX76 out of 100, Strong$13.2M11.6%0.45%vs

Deposit insurance

Is my money safe at Central Texas Teachers Credit Union?

Yes. Central Texas Teachers Credit Union is a federally insured credit union (NCUA charter #67425). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.2% of shares and deposits ($135K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Central Texas Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67425
RSSD ID
880695
Primary regulator
State + NCUA
Established
1956
Headquarters
PO Box 486, Corsicana, TX 75151
Employees
5

Quick answers

Central Texas Teachers Credit Union: common questions

Is Central Texas Teachers Credit Union NCUA insured?

Yes. Central Texas Teachers Credit Union is a federally insured credit union (NCUA charter #67425). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Central Texas Teachers Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.