# COOPERATIVE TEACHERS
Tyler, TX · NCUA charter 67576 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cooperative-teachers-67576

Who the members are: state charter, organized 1953. 4,416 members of 219,536 potential (2.0% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $92.8M |
| Members | 4,416 (-10.9% YoY) |
| Full-time staff | 15 |
| Net worth | $7.3M |
| Net worth ratio | 7.9% (p4 of band) |
| ROA (annualized) | 0.17% (p20 of band) |
| Total delinquency | 1.41% (p84 of band) |
| Net charge-offs (annualized) | 0.41% (p65 of band) |
| Loans / shares | 77% (p80 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 3.77% |
| Net interest margin | 3.58% (p46 of band) |
| Operating expense / assets | 4.20% (p72 of band) |
| Vehicles % of loans | 11% (p5 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 41% (p74 of band) |
| Vehicle delinquency | 0.99% (p69 of band) |
| Vehicle NCO | 3.42% (p98 of band) |
| Repossessed % of vehicle book | 0.14% (p88 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 38% |
| Average share balance | $12,842 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $25,489 |
| Loans granted, annualized | $8.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.9M outstanding purchased (40.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -8.4% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 2 | loans>95% of shares |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | leaning on borrowings |
| 2017-03 | 2 | leaning on borrowings |  |
| 2017-06 | 3 | net worth falling |  |
| 2017-09 | 3 | delinquency rising | net worth falling |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | delinquency rising |
| 2018-06 | 3 | delinquency rising |  |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 4 | repo signal, assets shrinking | net worth falling |
| 2019-12 | 2 |  | repo signal, assets shrinking |
| 2020-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2020-06 | 4 |  | delinquency rising |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 | margin squeeze | loans>95% of shares, losing money |
| 2021-06 | 4 | losing money, delinquency rising | net worth falling |
| 2021-09 | 3 |  | losing money |
| 2021-12 | 5 | net worth falling, loan book shrinking |  |
| 2022-03 | 3 | losing money | margin squeeze, delinquency rising, loan book shrinking |
| 2022-06 | 5 | delinquency 2x band, delinquency rising, charge-offs p90 | net worth falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 7 | thin capital, assets shrinking, loans>95% of shares | delinquency 2x band |
| 2023-03 | 5 |  | losing money, delinquency rising |
| 2023-06 | 6 | losing money |  |
| 2023-09 | 6 | net worth falling | loans>95% of shares |
| 2023-12 | 5 | loan book shrinking | losing money, net worth falling |
| 2024-03 | 9 | losing money, margin squeeze, delinquency 2x band, delinquency rising, members leaving | assets shrinking |
| 2024-06 | 8 | assets shrinking | leaning on borrowings, loan book shrinking |
| 2024-09 | 5 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2024-12 | 8 | delinquency rising, loan book shrinking, leaning on borrowings |  |
| 2025-03 | 6 |  | losing money, delinquency rising |
| 2025-06 | 7 | delinquency 2x band |  |
| 2025-09 | 9 | delinquency rising, repo signal |  |
| 2025-12 | 7 |  | leaning on borrowings, repo signal |
| 2026-03 | 6 | net worth falling | charge-offs p90, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-08-23 [Cooperative Teachers Credit Union Collaborates with Scienaptic on AI-Enabled Credit Decisioning - Finovate](https://news.google.com/rss/articles/CBMiugFBVV95cUxNcEZKOUJXM1kyRzVIUlF3enhCendNcFF6T2RXUHVDYmsxNWY4NnkyTWVxZ3JVSm5XVjQ5MHlaR1ZGeTlVSTRVWkFxV3NwT3BGb2N6TnktWkEwQ3lnWXFlQ2F4NGszY21BaUdsS3V6dlEyMUstbzBoR3dodWpwSkJwclJaQkVVSFROTmVjN1hEVUh3RFhBTnhIRFkyeUYzdW4xUkFRLWlZMWtodzZzWG8yU1dPMTlSakszQXc?oc=5) · Finovate
- 2025-11-20 [Q&A: Get to Know Brendon and Meghan Reily - UT Tyler](https://news.google.com/rss/articles/CBMikgFBVV95cUxQcm8tWk5lOU5Zb2JJWjZLNzNXYXktbXlveDVibEVzVy1URkRmVVNrUEFiVl9BMjl5SldBU0JqellKRlp5bUlaMjc0RW9wZGExb0tpYnJsRWpBY0UxUGswLXIxalhtZGM2aFhvb21XUVU1OTFHaTJCZjhMczRSYmlESlQ3TXdzUFkwcmVhY3RPNFAwZw?oc=5) · UT Tyler
- 2025-04-09 [Funding roundup - Community College Daily](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBldXNlNmJDZW9ZLUJmWnZHcDNLcl9KNnZMcmZvNXVKNjB0UTFfRFBJZGRVd3dYQm5wLVpGdTFJMFNmMFZ4bEtKb2swU0JuX0RDdDlHaldMRVlkQTdtZkV5UGdn?oc=5) · Community College Daily
- 2019-07-08 [Cooperative Teachers Credit Union announces selection of new accounting manager - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxQVS00b0JyZ3QtcVkxRDN0MFJXTzJDRElLOUxLLWtaZmNSTGF2cGplbVVCV2ZRNUJxSUNzdmFadmZxMlgzdHd1VXpJWUFuTzlsci1tNkQ3cVJaZTUwRG1xLWZvMTU0cEExamRaNldkMFpRZi15TE52QndkY1daOW9wbEhibUtvbEd3dW5aYnl4cXJxaFFzRzM0bUpET2ljMW5ZNTNmWjhyMElJUFJxMEpXRVp0M0JobU8tSTNWWA?oc=5) · CUInsight
- 2026-07-04 [18-wheeler hits power pole in Tyler - cbs19.tv](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWFFKaG5nRHlob3VuMnEtMHgwRENkb184djNrcHEta3I4Z3dxV1c5M2lQb3UzREJRaUZIeWl0UEZkQ1J2LXVzNVRac29XMURIdVFPY1NoT3lmSld0MEU2VzczOXpGbWRldl9NZ01vbEhKT0ZoaXQ0Q2E2RWt6RnJOQWM0aUpUVjJVd09WQXdkOEpIMV9vLUhLRUQ5OHVnZkczMV9ScWtLOExscTRMTTJXLW1aWGk4VUE?oc=5) · cbs19.tv
- 2018-05-16 [CTCU, Tyler ISD announces 2018 District Teachers of the Year - KLTV.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPLTcyRVo5cHVOc3VkcG9sVG9PdlV3MFRyRE00YmVvTFRVTTVpM3Y1dDFxdDJpYkxua2NKblM3YUVnUEhCRHZQOUZuaUk5eGlyNDF4dkFiZnpLLXRneDA1bkhnYU1zLWpGWlZmN2xzUkdvdzhYZ2Y4VEo1NkpodTVzSTdSaEFhLWlLZ3pxZ1hQMFdTRk1NNTFINlU3NTTSAa8BQVVfeXFMUHFjVEJ6bGJXcmN5WTBNQnpINEduMmVGRmd6TDdyajMtbl9wMzE1NTRONDFVQUtPRlZpMy1mRnVZczNJRjhRbzVwSTBoMHg1SzdzdDQ3SFZUdGNTQ2x3TXFKSnBJd1gxcU9uMEx6TFM4Y1ExdHlDWVZ4NXdhZGRYd19IUGFqV1JfRTNaQTZWY2hVcmNHaS1sVzlxcFM4dmVtWWQ4aGpnMnA2X3oxOERKcw?oc=5) · KLTV.com
- 2024-12-09 [Ms. Woodfin of Whitehouse ISD Is Mix 93-1s Teacher Of The Week - mix931fm.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPNFo2SDEzVHNQQ21QSGVHeVJHSHJPTWNHekxuTVpaVzFnQml1ZXFlYzFLY2xTSG1EbjZ1MVFwbE5CSUJMZmpVV1N2ZjJwbTdHQzB1ekluUUk1b19aQTFnNWk1OGdHMURkT3BQNTFnNTRpUmhnTzZJVnBtQmZqUldjcEItZEh2NloyRzR3?oc=5) · mix931fm.com
- 2025-02-14 [Tyler ISD announces 2025 Campus Teachers of the Year - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMikAFBVV95cUxNak1DLUcwVlpwREtNOTVQaHBCbFRySVp0Y0U0eVBrcWRjY2J5U19CV2w0eExZTXRNc3NlaU5rc1pnQ3hUYi1yY2JRZC0wQUFOY1QwSmlOMlhPVFh3X0dUbmZwOXhNVjhTbXZ0ZURUdlE1MHFucWFnU0xyVGwzTDlOSlo5VE84ZTdSUnN3clJWMjQ?oc=5) · Tyler Morning Telegraph

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67576 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "67576", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67576
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide