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

Cooperative Teachers Credit Union is headquartered in Tyler and is the 124th largest credit union in the state of Texas. It is also the 1,615th largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 20 employees and 6,133 members at 1 location. Cooperative Teachers Credit Union has an A 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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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

NCUA #67576
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD6.93%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$96.2MM$101.1MM
LoansQ4 2016vs Q4 2015$76.1MM$60.0MM
DepositsQ4 2016vs Q4 2015$78.5MM$67.7MM
Equity CapitalQ4 2016vs Q4 2015$12.8MM$11.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$487.00K$495.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$391.00K$364.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Cooperative Teachers Credit Union Savings Account Rates

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

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

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