TellerScore

Independence Teachers Credit Union (NCUA charter #62620) is based in Independence, Missouri. Its Q2 2026 call report shows $16.5M in total assets and $13.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Independence Teachers Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 3rd. Its strongest component is capital cushion (100/100; 15.52%), and its lowest is earnings (60/100; 1.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.52%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity100/100
Loans ÷ shares: 32.4% · 1.2% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.05%

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 rose 12 points (80 → 92), mostly because the loan quality component improved by 37 points.

TellerScore
808692Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202486
Q4 202489
Q1 202590
Q2 202580
Q3 202587
Q4 202590
Q1 202691
Q2 202692
Net worth ratio
7.00%11.26%15.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.41%
Q3 202413.56%
Q4 202414.48%
Q1 202514.61%
Q2 202514.39%
Q3 202514.88%
Q4 202515.40%
Q1 202615.12%
Q2 202615.52%
Delinquent loans (60+ days)
0.00%0.57%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.00%
Q4 20240.27%
Q1 20250.47%
Q2 20251.15%
Q3 20250.67%
Q4 20250.29%
Q1 20260.00%
Q2 20260.03%
Return on assets
0.82%1.10%1.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.82%
Q4 20241.07%
Q1 20251.38%
Q2 20251.00%
Q3 20251.11%
Q4 20251.10%
Q1 20260.92%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$16.5M15.52%0.03%1.00%32.4%
Q1 202691$16.6M15.12%0.00%0.92%31.8%
Q4 202590$16.1M15.40%0.29%1.10%33.9%
Q3 202587$16.4M14.88%0.67%1.11%35.8%
Q2 202580$16.5M14.39%1.15%1.00%34.9%
Q1 202590$16.1M14.61%0.47%1.38%37.9%
Q4 202489$15.9M14.48%0.27%1.07%40.8%
Q3 202486$16.4M13.56%0.00%0.82%39.4%
Q2 202482$16.4M13.41%0.45%0.85%38.2%

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 ratio15.52%
58th
Problem loans0.03%
85th
Net charge-offs0.45%
29th
Return on assets1.00%
68th
Loans to deposits32.4%
86th
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Catholic Family Credit UnionCredit union Kansas City, MO45 out of 100, Below average$16.5M9.0%2.59%vs
Patriot Credit UnionCredit union Saint Louis, MO59 out of 100, Moderate$16.4M8.4%0.69%vs
Burlington Northtown Community Credit UnionCredit union North Kansas Ci, MO85 out of 100, Very strong$16.2M20.5%1.09%vs
Stationery Credit UnionCredit union Saint Joseph, MO72 out of 100, Strong$17.0M13.8%0.96%vs
Academic Employees Credit UnionCredit union Columbia, MO64 out of 100, Moderate$17.2M7.5%0.90%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs

Deposit insurance

Is my money safe at Independence Teachers Credit Union?

Yes. Independence Teachers Credit Union is a federally insured credit union (NCUA charter #62620). 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 ($167K) 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 15.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Independence Teachers Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Independence Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62620
RSSD ID
789994
Primary regulator
State + NCUA
Established
1959
Headquarters
201 N Forest Ave Ste 3, Independence, MO 64050
Employees
3

Quick answers

Independence Teachers Credit Union: common questions

Is Independence Teachers Credit Union NCUA insured?

Yes. Independence Teachers Credit Union is a federally insured credit union (NCUA charter #62620). 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 Independence Teachers Credit Union's TellerScore?

92 out of 100 (Very strong), 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 Independence Teachers Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Independence

InstitutionScoreAssetsCapitalProblem loansCompare
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Farmers Bank & TrustBank Great Bend, KS96 out of 100, Very strong$1.1B24.0%0.19%vs
The Bank of Grain ValleyBank Grain Valley, MO95 out of 100, Very strong$110.6M24.0%0.00%vs
K.U.M.C. Credit UnionCredit union Shawnee, KS95 out of 100, Very strong$31.4M13.8%0.04%vs
National Advisors Trust CompanyBank Leawood, KS94 out of 100, Very strong$21.6M83.7%0.00%vs
Reliance Credit UnionCredit union Kansas City, KS93 out of 100, Very strong$25.1M16.4%0.30%vs