State credit union · LONGVIEW, Texas · NCUA charter #66351
Telco Plus
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $132.8M
- Total assets
- 9,191
- Members
- 8.9%
- Net-worth ratio
Telco Plus scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $132.8M; members 9,191; net-worth ratio 8.86%; health rank #3,022 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,022 of 4,374 health · 2025Q4Telco Plus · health 78/100 · $132.8M · 2025Q4
- BOOK 78/100
- CHARTER 8.9%
- NCUSIF 0.60%
- CAMELS 0.01%
- HEALTH $132.8M
- NW 9,191
- DELQ #3,022/4,374
- ROA Integra First
- ASSETS 66351
Call Report peers
Telco Plus in the assets neighbourhood
Telco Plus's $132.8M assets sit next to Integra First ($133.1M) 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 Plus 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
78 31st percentile higher than 31% 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 Plus - Share Insurance Coverage
Charter #66351's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where Telco Plus diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +27.95 pp (100.15% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -3.25 pp (8.86% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Telco Plus sits in Texas
- Texas health ordinal: #266 of 386.
- By total assets, Telco Plus is #128 of 386 in Texas.
- Texas membership ordinal: #137 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Telco Plus
Telco Plus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.6% from $132.8M (2025Q4) to $129.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.89% → 8.86%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 27.2 pts
- Delinquency Rate 24.0 pts
- Return on Assets 4.9 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.86% | -3.25 pp |
| Delinquency Rate | 0.60% | -0.30 pp |
| Return on Assets | 0.01% | -0.61 pp |
| Member Growth | 2.28% | - |
| Loan-to-Share Ratio | 100.15% | +27.95 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 Plus quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $129.4M | - |
| 2025Q4 | $132.8M | 9,191 |
| 2024Q4 | $135.6M | 8,986 |
| 2023Q4 | $132.0M | 9,456 |
Credit Union Details
- Charter Number
- 66351
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Texas
- City
- LONGVIEW
- Data Quarter
- 2025Q4
Branch Locations (5)
Telco Plus operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN (Main Office) | LONGVIEW, TX |
| KILGORE | Kilgore, TX |
| 1010 | TYLER, TX |
| TYLER | TYLER, TX |
| UTHN | Tyler, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Telco Plus - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($132.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Telco Plus ranks #3,022 of 4,374 nationally on financial health and #266 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texoma Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texoma Educators
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 Plus financially healthy?
A 8.86% net worth ratio and a 0.60% delinquency rate feed into Telco Plus's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,022 of 4,374; by total assets it ranks #1,586 of 4,374 nationally (same basis as /rankings/largest); and #128 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Telco Plus compare to other credit unions?
78/100 is Telco Plus's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Plus?
Membership eligibility for Telco Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Telco Plus directly for current membership requirements and application steps.
Is my money safe at Telco Plus?
Federal credit unions like Telco Plus 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 Plus's net worth ratio of 8.86% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Telco Plus offer compared to banks?
Credit unions like Telco Plus 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 Plus 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.