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
Call Report peers
Telco Community Credit Union in the assets neighbourhood
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
Telco Community Credit Union sits in the busiest band, 85-89, alongside 857 other credit unions.
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: 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).
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).
- One place up in North Carolina, NOVA (#17) scores 88/100, 1 point higher; one place down, SKYLA (#19) ties at 87/100.
Telco Community Credit Union: 2025Q4 → 2026Q1
Telco Community Credit Union: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $415.3M (2025Q4) to $424.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (12.13% → 12.26%).
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
Telco Community Credit Union gives up 13 points in total. Delinquency Rate costs the most, 6.6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Telco Community Credit Union financially healthy?
On its 2025Q4 NCUA 5300 filing, Telco Community Credit Union scores 87/100 (Excellent), with a 12.26% net worth ratio and 1.21% of loans delinquent. It ranks #1,648 of 4,374 nationally on health and #18 of 57 in North Carolina.
How does Telco Community Credit Union compare to other credit unions?
Telco Community Credit Union scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.12% vs 0.62%). Its widest shortfall is loan-to-share ratio (62.40% vs 72.20%).
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?
Telco Community Credit Union 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 Community Credit Union's net worth ratio of 12.26% 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.