State credit union · Candler, North Carolina · NCUA charter #63545
Telco Community Credit Union
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $415.3M
- Total assets
- 34,862
- Members
- 8.3%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)85
- Asset quality (delinquency)74
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)89
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.25% | 30% |
| Delinquency Rate | 1.21% | 25% |
| Return on Assets | 1.12% | 15% |
| Member Growth | 0.66% | 15% |
| Loan-to-Share Ratio | 62.40% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Telco Community Credit Union
Telco Community Credit Union is a state credit union headquartered in Candler, North Carolina, serving 34,862 members with $415.3M in total assets and $225.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 8.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #63545 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.21% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 62.40% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.12% on net income of $4.7M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.66%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.25% 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 82/100, 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 8.25% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.