State credit union · RURAL HALL, North Carolina · NCUA charter #65384
TCP
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $15.5M
- Total assets
- 2,148
- Members
- 16.9%
- Net-worth ratio
TCP scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.5M; members 2,148; net-worth ratio 16.88%; health rank #2,698 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,698 of 4,374 health · 2025Q4TCP · health 80/100 · $15.5M · 2025Q4
- HEALTH 80/100
- NW 16.9%
- DELQ 1.48%
- ROA -0.07%
- ASSETS $15.5M
- MEM 2,148
- RANK #2,698/4,374
- PHOTO BROCKPORT
- BOOK 65384
Call Report peers
TCP in the assets neighbourhood
TCP's $15.5M assets sit next to BROCKPORT ($15.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TCP vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
TCP - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #65384. See our deposit-insurance coverage note.
TCP: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 78.87% vs peer 59.80% (+19.07 pp).
- Largest lag: Return on Assets at -0.07% vs peer 0.70% (-0.77 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for TCP
- North Carolina health ordinal: #29 of 57.
- By total assets, TCP is #48 of 57 in North Carolina.
- Member book place in North Carolina: #47 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TCP Call Report trajectory
TCP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.6% from $15.5M (2025Q4) to $16.0M (2026Q1).
- Net-worth ratio shifted -0.52 pp (17.40% → 16.88%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 3.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for TCP
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.88% | +2.02 pp |
| Delinquency Rate | 1.48% | +0.33 pp |
| Return on Assets | -0.07% | -0.77 pp |
| Member Growth | 5.92% | - |
| Loan-to-Share Ratio | 78.87% | +19.07 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
TCP quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.0M | - |
| 2025Q4 | $15.5M | 2,148 |
| 2024Q4 | $13.8M | 2,028 |
| 2023Q4 | $14.4M | 1,945 |
Credit Union Details
- Charter Number
- 65384
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- RURAL HALL
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, TCP runs one office.
| Office | City |
|---|---|
| TCP CU (Main Office) | Rural Hall, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
TCP's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($15.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- TCP ranks #2,698 of 4,374 nationally on financial health and #29 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LITHIUM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LITHIUM
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is TCP financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, TCP carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,698 of 4,374; by total assets it ranks #3,314 of 4,374 nationally (same basis as /rankings/largest); and #48 of 57 within North Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.88% net worth ratio and a 1.48% delinquency rate.
How does TCP compare to other credit unions?
TCP scores 80/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join TCP?
Membership eligibility for TCP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TCP directly for current membership requirements and application steps.
Is my money safe at TCP?
Federal credit unions like TCP are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TCP's net worth ratio of 16.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TCP offer compared to banks?
Credit unions like TCP are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact TCP directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.