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
Call Report peers
TCP in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); TCP sits in 80-84 with 767 others.
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: 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).
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.
- One place up in North Carolina, ARCADE (#28) scores 82/100, 2 points higher; one place down, Vision Financial (#30) ties at 80/100.
TCP Call Report trajectory
TCP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $15.5M (2025Q4) to $16.0M (2026Q1).
- Net-worth ratio shifted -0.52 pp (17.40% → 16.88%).
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
TCP gives up 20 points in total. Return on Assets costs the most, 11.1 of its 15; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is TCP financially healthy?
On its 2025Q4 NCUA 5300 filing, TCP scores 80/100 (Excellent), with a 16.88% net worth ratio and 1.48% of loans delinquent. It ranks #2,698 of 4,374 nationally on health and #29 of 57 in North Carolina.
How does TCP compare to other credit unions?
TCP scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.87% vs 59.80%). Its widest shortfall is return on assets (-0.07% vs 0.70%).
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?
TCP is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.