State credit union · TARBORO, North Carolina · NCUA charter #66319
TELCO
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $53.6M
- Total assets
- 6,538
- Members
- 12.5%
- Net-worth ratio
TELCO scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.6M; members 6,538; net-worth ratio 12.47%; health rank #3,590 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,590 of 4,374 health · 2025Q4TELCO · health 70/100 · $53.6M · 2025Q4
- RANK 70/100
- PHOTO 12.5%
- BOOK 2.70%
- CHARTER 0.04%
- NCUSIF $53.6M
- CAMELS 6,538
- HEALTH #3,590/4,374
- NW Empower Blue
- DELQ 66319
Call Report peers
TELCO in the assets neighbourhood
TELCO's $53.6M assets sit next to Empower Blue ($53.7M) 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.
TELCO 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
70 17th percentile higher than 17% 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
TELCO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66319 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
TELCO vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +25.21 pp (87.81% vs 62.60%).
- Largest lag: Delinquency Rate at 2.70% vs peer 0.96% (+1.74 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
North Carolina standing for TELCO
- In North Carolina, health place is #45 of 57 on the same NCUA-ratio sort used nationally.
- By total assets, TELCO is #36 of 57 in North Carolina.
- North Carolina membership ordinal: #29 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.
TELCO: 2025Q4 → 2026Q1
TELCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $53.6M (2025Q4) to $53.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (12.37% → 12.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.1 pts
- Return on Assets 6.4 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 15.3 pts
TELCO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.47% | -1.15 pp |
| Delinquency Rate | 2.70% | +1.74 pp |
| Return on Assets | 0.04% | -0.62 pp |
| Member Growth | 1.04% | - |
| Loan-to-Share Ratio | 87.81% | +25.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $53.5M | - |
| 2025Q4 | $53.6M | 6,538 |
| 2024Q4 | $51.8M | 6,471 |
| 2023Q4 | $52.0M | 6,404 |
Credit Union Details
- Charter Number
- 66319
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- North Carolina
- City
- TARBORO
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for TELCO, spread across 2 cities.
| Office | City |
|---|---|
| Coporate Office (Main Office) | Tarboro, NC |
| Greenville Branch | Greenville, NC |
| Tarboro Branch | Tarboro, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Other-state peers near TELCO
TELCO'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 ($53.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- TELCO ranks #3,590 of 4,374 nationally on financial health and #45 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Charlotte Fire Department is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Charlotte Fire Department
- 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 TELCO financially healthy?
TELCO has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,590 of 4,374; by total assets it ranks #2,351 of 4,374 nationally (same basis as /rankings/largest); and #36 of 57 within North Carolina. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.47% and delinquency rate of 2.70%.
How does TELCO compare to other credit unions?
On PlainCU's health composite, TELCO lands at 70/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 TELCO?
Membership eligibility for TELCO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TELCO directly for current membership requirements and application steps.
Is my money safe at TELCO?
Federal credit unions like TELCO 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. TELCO's net worth ratio of 12.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TELCO offer compared to banks?
Credit unions like TELCO 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 TELCO 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.