State credit union · Candler, North Carolina · NCUA charter #63545
Telco Community Credit Union
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $415.3M
- Total assets
- 34,862
- Members
- 12.3%
- Net-worth ratio
Telco Community Credit Union scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $415.3M; members 34,862; net-worth ratio 12.26%; health rank #1,648 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,648 of 4,374 health · 2025Q4Telco Community Credit Union · health 87/100 · $415.3M · 2025Q4
- DELQ 87/100
- ROA 12.3%
- ASSETS 1.21%
- MEM 1.12%
- RANK $415.3M
- PHOTO 34,862
- BOOK #1,648/4,374
- CHARTER UKRAINIAN
- NCUSIF 63545
Call Report peers
Telco Community Credit Union in the assets neighbourhood
Telco Community Credit Union's $415.3M assets sit next to UKRAINIAN ($415.3M) 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 Community Credit Union 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
87 Top 40% higher than 60% 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 Community Credit Union - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63545 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Telco Community Credit Union: Call Report deltas vs peers
- Return on Assets leads the peer set - 1.12% here, 0.62% peer average (+0.50 pp).
- Largest lag: Loan-to-Share Ratio at 62.40% vs peer 72.20% (-9.80 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Telco Community Credit Union sits in North Carolina
- In North Carolina, health place is #18 of 57 on the same NCUA-ratio sort used nationally.
- North Carolina assets place: #15 of 57.
- Membership ranks #15 of 57 among North Carolina CUs with a reported count (34,862 members).
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 Community Credit Union: 2025Q4 → 2026Q1
Telco Community Credit Union: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $415.3M (2025Q4) to $424.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (12.13% → 12.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.26% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 13.8 pts
Telco Community Credit Union health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.26% | +0.15 pp |
| Delinquency Rate | 1.21% | +0.31 pp |
| Return on Assets | 1.12% | +0.50 pp |
| Member Growth | 0.66% | - |
| Loan-to-Share Ratio | 62.40% | -9.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Telco Community Credit Union filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $424.5M | - |
| 2025Q4 | $415.3M | 34,862 |
| 2024Q4 | $396.7M | 34,634 |
| 2023Q4 | $369.5M | 34,525 |
Credit Union Details
- Charter Number
- 63545
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- North Carolina
- City
- Candler
- Data Quarter
- 2025Q4
Branch Locations (13)
Telco Community Credit Union operates 13 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Adminstration Office (Main Office) | Candler, NC |
| Airport Rd | Arden, NC |
| Leicester Branch | Asheville, NC |
| Tunnel Rd Office | Asheville, NC |
| Biltmore | Asheville, NC |
| Brevard Branch | Brevard, NC |
| Candler Office | Candler, NC |
| Hendensonville Office | Hendersonville, NC |
| Hickory Office | Hickory, NC |
| Lenoir Branch | Lenoir, NC |
| Morganton Office | Morganton, NC |
| Waynesville | Waynesville, NC |
| Weaverville Office | Weaverville, 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.
- PIEDMONT ADVANTAGE CREDIT UNIONWinston Salem, NC · $100M–$500M64Health
- MEMBERSWINSTON SALEM, NC · $100M–$500M84Health
- MOUNTAINWaynesville, NC · $100M–$500M91Health
- SUMMITGreensboro, NC · $100M–$500M96Health
- FIRST FLIGHTCARY, NC · $100M–$500M93Health
Compare Telco Community Credit Union vs PIEDMONT ADVANTAGE CREDIT UNION
Nationwide credit unions with similar profiles
Telco Community Credit Union'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 ($415.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Telco Community Credit Union ranks #1,648 of 4,374 nationally on financial health and #18 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Piedmont Advantage Credit Union is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Piedmont Advantage Credit Union
- 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 Community Credit Union financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Telco Community Credit Union carries a financial health score of 87/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,648 of 4,374; by total assets it ranks #844 of 4,374 nationally (same basis as /rankings/largest); and #15 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 12.26% net worth ratio and a 1.21% delinquency rate.
How does Telco Community Credit Union compare to other credit unions?
On PlainCU's health composite, Telco Community Credit Union lands at 87/100, compared to a peer group average for $100M–$500M 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 Community Credit Union?
Membership eligibility for Telco Community Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Telco Community Credit Union directly for current membership requirements and application steps.
Is my money safe at Telco Community Credit Union?
Federal credit unions like Telco Community Credit Union 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 Community Credit Union's net worth ratio of 12.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Telco Community Credit Union offer compared to banks?
Credit unions like Telco Community Credit Union 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 Community Credit Union 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.