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Overview / Commentary
877-662-2828
1424 W Southwest Loop 323
Tyler, TX 75701-9347

Cooperative Teachers Credit Union is headquartered in Tyler and is the 122nd largest credit union in the state of Texas. It is also the 1,589th largest credit union in the nation. It was established in 1953 and as of September of 2016, it had grown to 16 employees and 6,072 members at 1 location. Cooperative Teachers Credit Union has a B+ health rating.

Field of Membership Restrictions

Cooperative Teachers CU of Texas is defined by the CU guideline as being the residents, people that maintain employment, church members, and registered students in Smith County, employees of the schools in these counties; Kaufman, Hopkins, Rains, Smith, Wood, and Van Zandt, employees of these colleges; Len Morris, Jacksonville Baptist, and Texas A&M Commerce, any employee groups that works anywhere within a 10-mile distance from the CU, retired teachers, and retired school personnel that resides in the CU service area or that receives a retirement income compensation from working in the CU service area, member affiliated organizations and businesses as well as family members.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cooperative Teachers Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #67576
Year Chartered1953
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD6.76%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$99.6MM$107.3MM
LoansQ3 2016vs Q3 2015$72.5MM$58.4MM
DepositsQ3 2016vs Q3 2015$75.3MM$70.8MM
Equity CapitalQ3 2016vs Q3 2015$13.0MM$12.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$548.00K$483.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$183.00K$324.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Cooperative Teachers Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$20-IRA Account
1.00%$20-Roth IRA Account
1.00%$20-CESA Account
0.80%*$10k*-Investors Club
OTHER TIERS: 0.20% $1k - $5k | 0.40% $5k - $10k
0.20%$100-Share Savings
0.20%$20-Christmas Club

Cooperative Teachers Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$2,500*-6 Month Term Share Certificate
OTHER TIERS: 0.30% $500 - $2,500
Locations


Cooperative Teachers Credit Union Locations
Branch Office1424 W Southwest Loop 323Tyler, TX 75701-9347