Credit union · NCUA insured
NPTFCU
A $21.9M credit union headquartered in Perryton, TX, with 2,421 members and 1 branch in Texas. Best rates: savings 1.36% APY.
NPTFCU Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#220 of 375 in TexasHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NPTFCU
Northeast Panhandle Teachers Federal Credit Union is a member-owned cooperative financial institution headquartered in Perryton, Texas.
The credit union was formed to encourage saving, make low-rate loans using collective funds, and provide financial resources.
- Headquarters
- 211 S Amherst St, Perryton, TX 79070
- NCUA charter
- 19171
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees and retirees of specified school systems are eligible for membership.
Family and household
- Immediate family members of eligible school employees may become members.
Cost to join
- A $5.00 membership fee is required to open an account and become a member.
- A minimum deposit of $25.00 into shares is required to open an account and become a member.
Branches
1 branch in Texas
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Texas
1 branch
- Main OfficeMain office211 S Amherst St, Perryton, TX 79070Directions
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 | 21.42% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.79% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.80% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio21.42%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.79%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ 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 NPTFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.