Credit union · NCUA insured
Cooperative Teachers Credit Union
A $92.8M credit union headquartered in Tyler, TX, with 4,416 members and 2 branches in Texas. Best rates: CDs 3.75% APY.
Cooperative Teachers Credit Union Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#13 of 18 in Tyler, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cooperative Teachers Credit Union
Established in 1953 by educators in Smith County to help people reach their financial goals, Cooperative Teachers Credit Union is based in Tyler, Texas.
The credit union serves 89 school districts and maintains locations in Tyler and Lindale.
- Headquarters
- 1424 W Southwest Loop 323, Tyler, TX 75701-9347
- NCUA charter
- 67576
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work within a 10-mile radius of CTCU are eligible to join.
- Individuals who live, work, worship, or attend school in Smith County are eligible to join.
Military, government and schools
- Retired teachers or retired certified school personnel living in CTCU's service area are eligible to join.
- School employees in Kaufman, Hopkins, Rain, Smith, Wood, or Van Zandt County are eligible to join.
- Individuals who receive Teacher Retirement as a result of working in CTCU's service area are eligible to join.
Family and household
- Direct relatives of existing CTCU members are eligible to join.
1 more way to join
Other ways
- Members of the CTCU Foundation are eligible to join.
Branches
2 branches in Texas
Loading map…
Texas
2 branches
- Cooperative Teachers Credit UnionMain office1424 W Southwest Loop 323, Tyler, TX 75701Directions
- Lindale Branch75 Miranda Lambert Way, Ste 10, Lindale, TX 75771Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 7.88% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.31% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $75 | $59 | — |
- CapitalNet worth ratio7.88%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.31%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$75Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cooperative Teachers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.