Garden City Teachers Federal Credit Union (NCUA charter #7662) is based in Garden City, Kansas. Its Q2 2026 call report shows $15.7M in total assets and $14.4M in member shares and deposits and 1 office.
Garden City Teachers Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 23% of its 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Kansas, it ranks 47th. Funding & liquidity contributes the most (96/100, 65% loans-to-deposits, 6% uninsured); capital cushion contributes the least (33/100, 8.28%).
TellerScore · Q2 2026
Scorecard
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 4 points (65 → 61), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 66 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 61 |
| Q4 2025 | 56 |
| Q1 2026 | 60 |
| Q2 2026 | 61 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.90% |
| Q3 2024 | 8.63% |
| Q4 2024 | 8.26% |
| Q1 2025 | 8.27% |
| Q2 2025 | 8.58% |
| Q3 2025 | 8.71% |
| Q4 2025 | 7.86% |
| Q1 2026 | 7.82% |
| Q2 2026 | 8.28% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.53% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.34% |
| Q2 2026 | 0.67% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.25% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.45% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.50% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $15.7M | 8.28% | 0.67% | 0.50% | 64.7% |
| Q1 2026 | 60 | $16.2M | 7.82% | 0.34% | 0.09% | 60.0% |
| Q4 2025 | 56 | $16.1M | 7.86% | 0.82% | 0.18% | 59.3% |
| Q3 2025 | 61 | $14.8M | 8.71% | 0.70% | 0.45% | 66.8% |
| Q2 2025 | 65 | $14.7M | 8.58% | 0.12% | 0.30% | 64.4% |
| Q1 2025 | 64 | $15.1M | 8.27% | 0.15% | 0.17% | 60.5% |
| Q4 2024 | 62 | $15.0M | 8.26% | 0.56% | 0.48% | 59.9% |
| Q3 2024 | 66 | $14.3M | 8.63% | 0.23% | 0.58% | 65.1% |
| Q2 2024 | 69 | $14.2M | 8.90% | 0.53% | 1.25% | 65.8% |
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).
Similar-size credit unions in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| K C K Firemen & Police Credit UnionCredit union Kansas City, KS | 84 out of 100, Strong | $16.2M | 17.5% | 0.39% | vs |
| Crossroads Credit UnionCredit union Goessel, KS | 67 out of 100, Moderate | $12.5M | 20.8% | 6.32% | vs |
| 1st Kansas Credit UnionCredit union Topeka, KS | 86 out of 100, Very strong | $12.2M | 19.9% | 0.41% | vs |
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Hutchinson Government Employees Credit UnionCredit union Hutchinson, KS | 62 out of 100, Moderate | $20.1M | 13.1% | 2.05% | vs |
| Co-Operative Credit UnionCredit union Coffeyville, KS | 77 out of 100, Strong | $21.2M | 13.6% | 1.31% | vs |
Deposit insurance
Is my money safe at Garden City Teachers Federal Credit Union?
Yes. Garden City Teachers Federal Credit Union is a federally insured credit union (NCUA charter #7662). 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 6.3% of shares and deposits ($907K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.28%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Garden City Teachers Federal Credit Union lists 1 office in 1 city. Most locations:
- Garden City, KS (1)
Identity & history
Profile
- Legal name
- Garden City Teachers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 7662
- RSSD ID
- 635886
- Primary regulator
- NCUA
- Established
- 1952
- Headquarters
- Po Box 705, Garden City, KS 67846
- Employees
- 7
Quick answers
Garden City Teachers Federal Credit Union: common questions
Is Garden City Teachers Federal Credit Union NCUA insured?
Yes. Garden City Teachers Federal Credit Union is a federally insured credit union (NCUA charter #7662). 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 Garden City Teachers Federal Credit Union's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Garden City Teachers Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Garden City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank in CimarronBank Cimarron, KS | 80 out of 100, Strong | $143.5M | 9.6% | 0.25% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| KCB BankBank Lakin, KS | 73 out of 100, Strong | $322.3M | 12.6% | 1.15% | vs |
| Security State BankBank Scott City, KS | 72 out of 100, Strong | $1.0B | 10.2% | 0.26% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Grant County BankBank Ulysses, KS | 69 out of 100, Moderate | $298.3M | 13.3% | 2.07% | vs |