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Overview / Commentary
900 N Klein Ave
OKlahoma CIty, OK 73106-7036

Teachers CU (OK) is headquartered in OKlahoma CIty and is the 59th largest credit union in the state of Oklahoma. It is also the 4,956th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 3 employees and 2,738 members. Teachers CU (OK) has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Teachers CU (OK) has a very low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Teachers CU (OK) had $4,000 in non-current loans and owned real-estate with $2.43 million in equity and loan loss allowances on hand to cover it. This gives Teachers CU (OK) a Texas Ratio of 0.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Teachers CU (OK) decreased dramatically from 1.12% as of March 31, 2013 to 0.16% as of March 31, 2014, resulting in a positive change of 85.25%.This indicates that the balance sheet and financial strength for Teachers CU (OK) has improved dramatically in recent periods.

Deposit Growth


In the past year, Teachers CU (OK) has increased its total deposits by $115,000, resulting in 2.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Teachers CU (OK) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Teachers CU (OK) has $6.78 million in assets with $2.43 million in equity, resulting in a capitalization level of 35.81%, which is excellent.

Institution Statistics

NCUA #65774
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$6.78 million
Loans$1.68 million
Deposits$4.36 million
Equity Capital$2.41 million
Loan Loss Allowance$22,000
Unbacked Noncurrent Loans$4,000
Real Estate Owned$0
Historic Data - March 2013
Assets$6.65 million
Equity Capital$2.39 million
Loan Loss Allowance$31,000
Unbacked Noncurrent Loans$4,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.53%
Return on Assets0.18%
Return on Equity0.5%
Interest Income$71,000

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Teachers CU (OK) Locations
Branch Office900 N Klein AveOKlahoma CIty, OK 73106-7036