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
Call Report peers
TELCO in the assets neighbourhood
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TELCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TELCO sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in North Carolina, Emergency Responders (#44) scores 71/100, 1 point higher; one place down, Carolina Cooperative (#46) scores 69/100, 1 point lower.
TELCO: 2025Q4 → 2026Q1
TELCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $53.6M (2025Q4) to $53.5M (2026Q1).
- Net-worth ratio shifted +0.10 pp (12.37% → 12.47%).
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
TELCO gives up 30 points in total. Delinquency Rate costs the most, 16.9 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is TELCO financially healthy?
On its 2025Q4 NCUA 5300 filing, TELCO scores 70/100 (Very Good), with a 12.47% net worth ratio and 2.70% of loans delinquent. It ranks #3,590 of 4,374 nationally on health and #45 of 57 in North Carolina.
How does TELCO compare to other credit unions?
TELCO scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (87.81% vs 62.60%). Its widest shortfall is delinquency rate (2.70% vs 0.96%).
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?
TELCO 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. TELCO's net worth ratio of 12.47% 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.