Credit union · NCUA insured
Wichita Falls Teachers Federal Credit Union
A $115M credit union headquartered in Wichita Falls, TX, with 6,265 members and 1 branch in Texas. Best rates: CDs 3.66% APY.
Wichita Falls Teachers Federal Credit Union Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#11 of 13 in Wichita Falls, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Wichita Falls Teachers Federal Credit Union
Founded in 1937 as The Teachers Federal Credit Union in Wichita Falls, Texas, the institution officially changed its name to Wichita Falls Teachers Federal Credit Union in 1949.
It is member-owned and democratically controlled by its members, having expanded beyond its original field of membership by merging with Wichita Valley Educators Credit Union in 1980.
The credit union is headquartered in Wichita Falls, Texas.
- Headquarters
- 4301 Barnett Rd, Wichita Falls, TX 76310
- NCUA charter
- 2112
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees of Clinics of North Texas and Kell West Regional Hospital.
Military, government and schools
- Membership is open to employees and students of specified area independent school districts and Region 9 Education Service Center.
- Membership is open to employees and students of additional educational institutions and organizations.
- Membership is open to members of Wichita Falls Retired Teachers Association, retirees/annuitants from eligible employment, and surviving spouses of members who died while in the field of membership.
Family and household
- Membership is open to immediate family members (including foster or adopted children) of members or employees of specified employers.
Cost to join
- Eligible persons must make a deposit in a regular savings account to join.
Branches
1 branch in Texas
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Texas
1 branch
- Wichita Falls Teachers Federal Credit UnionMain office4301 Barnett Rd, Wichita Falls, TX 76310Directions
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 | 12.42% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.01% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $55 | $76 | — |
- CapitalNet worth ratio12.42%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$55Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Wichita Falls Teachers Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.