TellerScore

Okaloosa County Teachers Federal Credit Union is a federal credit union headquartered in Crestview, Florida, in business for about 66 years. At the end of Q2 2026 it reported $135.3M in total assets and $121.2M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Okaloosa County Teachers Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 95th. Its strongest component is funding & liquidity (100/100; 45% loans-to-deposits, 1% uninsured), and its lowest is earnings (32/100; 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.46%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.39%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity100/100
Loans ÷ shares: 45.3% · 0.7% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.97%

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 3 points (60 → 57), mostly because the earnings component weakened by 7 points.

TellerScore
535761Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202459
Q4 202458
Q1 202553
Q2 202560
Q3 202560
Q4 202557
Q1 202657
Q2 202657
Net worth ratio
7.00%8.33%9.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.49%
Q3 20249.64%
Q4 20249.46%
Q1 20259.43%
Q2 20259.49%
Q3 20259.61%
Q4 20259.65%
Q1 20269.50%
Q2 20269.46%
Delinquent loans (60+ days)
1.22%1.50%1.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.33%
Q3 20241.55%
Q4 20241.59%
Q1 20251.78%
Q2 20251.23%
Q3 20251.22%
Q4 20251.62%
Q1 20261.44%
Q2 20261.39%
Return on assets
0.31%0.54%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.78%
Q4 20240.69%
Q1 20250.35%
Q2 20250.49%
Q3 20250.46%
Q4 20250.42%
Q1 20260.31%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$135.3M9.46%1.39%0.31%45.3%
Q1 202657$133.6M9.50%1.44%0.31%45.8%
Q4 202557$130.5M9.65%1.62%0.42%47.4%
Q3 202560$130.6M9.61%1.22%0.46%48.3%
Q2 202560$131.0M9.49%1.23%0.49%49.3%
Q1 202553$129.7M9.43%1.78%0.35%51.4%
Q4 202458$128.1M9.46%1.59%0.69%53.4%
Q3 202459$124.8M9.64%1.55%0.78%55.2%
Q2 202461$123.7M9.49%1.33%0.70%55.9%

1,341 peers · $100 million – $1 billion

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 ratio9.46%
20th
Problem loans1.39%
16th
Net charge-offs0.77%
17th
Return on assets0.31%
18th
Loans to deposits45.3%
93rd
Uninsured deposits0.7%
95th
Loan-loss reserves0.00%
50th
Texas ratio6.0%
32nd

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Coastline Federal Credit UnionCredit union Jacksonville, FL70 out of 100, Strong$136.2M11.6%0.41%vs
Broward Healthcare Federal Credit UnionCredit union Fort Lauderdale, FL53 out of 100, Below average$133.7M7.7%1.00%vs
Baptist Health South Florida Federal Credit UnionCredit union Miami, FL71 out of 100, Strong$140.2M11.0%0.62%vs
Sun Credit UnionCredit union Hollywood, FL76 out of 100, Strong$128.8M11.0%0.60%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs
Powernet Credit UnionCredit union Tampa, FL70 out of 100, Strong$125.3M10.1%1.44%vs

Deposit insurance

Is my money safe at Okaloosa County Teachers Federal Credit Union?

Yes. Okaloosa County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #13534). 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 0.7% of shares and deposits ($885K) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.46%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Okaloosa County Teachers Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Okaloosa County Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
13534
RSSD ID
976084
Primary regulator
NCUA
Established
1960
Headquarters
1126 N Ferdon Blvd, Crestview, FL 32536
Employees
38

Quick answers

Okaloosa County Teachers Federal Credit Union: common questions

Is Okaloosa County Teachers Federal Credit Union NCUA insured?

Yes. Okaloosa County Teachers Federal Credit Union is a federally insured credit union (NCUA charter #13534). 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 Okaloosa County Teachers Federal Credit Union's TellerScore?

57 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 Okaloosa County Teachers Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Crestview

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Independent BankBank Opp, AL87 out of 100, Very strong$395.3M13.6%0.08%vs
Eglin Federal Credit UnionCredit union Fort Walton Bea, FL85 out of 100, Very strong$3.1B13.1%0.35%vs
Walton County Teachers Federal Credit UnionCredit union Defuniak Spring, FL81 out of 100, Strong$30.1M10.9%0.45%vs
Fnbt BankBank Fort Walton Beach, FL79 out of 100, Strong$628.5M11.1%0.00%vs
CCB Community BankBank Andalusia, AL79 out of 100, Strong$661.9M10.5%0.19%vs
Santa Rosa County Federal Credit UnionCredit union Milton, FL78 out of 100, Strong$223.0M13.6%1.18%vs