TellerScore

Teachers Credit Union (NCUA charter #65774) is based in Oklahoma CIty, Oklahoma. Its Q2 2026 call report shows $6.3M in total assets and $4.4M in member shares and deposits.

Teachers Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 20th. Capital cushion contributes the most (100/100, 31.52%); earnings contributes the least (0/100, -1.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 31.52%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings0/100
Return on assets (annualized): -1.45%
Funding & liquidity98/100
Loans ÷ shares: 62.1% · 1.2% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.36%

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 23 points (53 → 76), mostly because the loan quality component improved by 89 points.

TellerScore
526476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202453
Q4 202452
Q1 202555
Q2 202553
Q3 202570
Q4 202552
Q1 202675
Q2 202676
Net worth ratio
7.00%20.04%33.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202432.90%
Q3 202432.15%
Q4 202433.07%
Q1 202531.57%
Q2 202531.68%
Q3 202532.18%
Q4 202531.59%
Q1 202631.07%
Q2 202631.52%
Delinquent loans (60+ days)
0.34%4.01%7.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20247.68%
Q3 20244.22%
Q4 20244.68%
Q1 20256.31%
Q2 20257.23%
Q3 20251.16%
Q4 20254.62%
Q1 20260.60%
Q2 20260.34%
Return on assets
-3.07%-1.42%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 2024-1.39%
Q4 2024-1.29%
Q1 2025-0.09%
Q2 2025-0.17%
Q3 2025-0.18%
Q4 2025-1.69%
Q1 2026-3.07%
Q2 2026-1.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$6.3M31.52%0.34%-1.45%62.1%
Q1 202675$6.4M31.07%0.60%-3.07%61.6%
Q4 202552$6.5M31.59%4.62%-1.69%67.5%
Q3 202570$6.7M32.18%1.16%-0.18%70.4%
Q2 202553$6.8M31.68%7.23%-0.17%70.9%
Q1 202555$6.8M31.57%6.31%-0.09%67.1%
Q4 202452$6.5M33.07%4.68%-1.29%72.8%
Q3 202453$6.7M32.15%4.22%-1.39%66.3%
Q2 202458$6.8M32.90%7.68%0.23%65.9%

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 ratio31.52%
95th
Problem loans0.34%
66th
Net charge-offs4.25%
2nd
Return on assets-1.45%
5th
Loans to deposits62.1%
45th
Uninsured deposits1.2%
52nd
Loan-loss reserves1.26%
85th
Texas ratio3.4%
40th

Similar-size credit unions in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Growing Oaks Federal Credit UnionCredit union Goldsby, OK55 out of 100, Moderate$4.1M9.5%0.80%vs
Otoe-Missouria Federal Credit UnionCredit union Red Rock, OK26 out of 100, Low$3.5M9.2%4.55%vs
Velma Federal Credit UnionCredit union Velma, OK79 out of 100, Strong$3.1M15.2%1.55%vs
Cooperative EmployeesCredit union Anadarko, OK73 out of 100, Strong$10.0M10.4%0.00%vs
Arbuckle Federal Credit UnionCredit union Ada, OK60 out of 100, Moderate$10.3M8.4%0.38%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs

Deposit insurance

Is my money safe at Teachers Credit Union?

Yes. Teachers Credit Union is a federally insured credit union (NCUA charter #65774). 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 ($52K) 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 31.52%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
65774
RSSD ID
1018150
Primary regulator
State + NCUA
Established
1935
Headquarters
2300 NW 23rd St, Oklahoma CIty, OK 73107
Employees
3

Quick answers

Teachers Credit Union: common questions

Is Teachers Credit Union NCUA insured?

Yes. Teachers Credit Union is a federally insured credit union (NCUA charter #65774). 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 Teachers Credit Union's TellerScore?

76 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.