State credit union · Sioux City, Iowa · NCUA charter #63218
Telco Triad Community
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $158.4M
- Total assets
- 16,010
- Members
- 11.7%
- Net-worth ratio
Telco Triad Community scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $158.4M; members 16,010; net-worth ratio 11.72%; health rank #262 of 4,374; healthier than 93rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#262 of 4,374 health · 2025Q4Telco Triad Community · health 96/100 · $158.4M · 2025Q4
- CAMELS 96/100
- HEALTH 11.7%
- NW 0.20%
- DELQ 1.30%
- ROA $158.4M
- ASSETS 16,010
- MEM #262/4,374
- RANK Scenic Community
- PHOTO 63218
Call Report peers
Telco Triad Community in the assets neighbourhood
Telco Triad Community's $158.4M assets sit next to Scenic Community ($158.8M) 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 Triad Community 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
96 Top 7% higher than 93% 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 Triad Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63218, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Telco Triad Community
- Loan-to-Share Ratio leads the peer set - 86.66% here, 72.20% peer average (+14.46 pp).
- Largest lag: Net Worth Ratio at 11.72% vs peer 12.11% (-0.39 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Iowa standing for Telco Triad Community
- Health composite ranks #5 of 66 among scored Iowa credit unions.
- Iowa assets place: #23 of 66.
- Membership ranks #14 of 66 among Iowa CUs with a reported count (16,010 members).
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Telco Triad Community
Telco Triad Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $158.4M (2025Q4) to $163.2M (2026Q1).
- Net-worth ratio shifted -0.27 pp (11.99% → 11.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.72% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.9 pts
Telco Triad Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.72% | -0.39 pp |
| Delinquency Rate | 0.20% | -0.69 pp |
| Return on Assets | 1.30% | +0.68 pp |
| Member Growth | 1.75% | - |
| Loan-to-Share Ratio | 86.66% | +14.46 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 Triad Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $163.2M | - |
| 2025Q4 | $158.4M | 16,010 |
| 2024Q4 | $150.5M | 15,734 |
| 2023Q4 | $144.9M | 15,732 |
Credit Union Details
- Charter Number
- 63218
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Sioux City
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for Telco Triad Community, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Sioux City, IA |
| Denison Office | Denison, IA |
| Riverside Branch | Sioux City, IA |
| Morningside Branch | Sioux City, IA |
| W 7th Branch | Sioux City, IA |
| Spencer Branch | Spencer, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Telco Triad Community - kept outside Iowa; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($158.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- Telco Triad Community ranks #262 of 4,374 nationally on financial health and #5 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Star Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Star Community
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa 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 Triad Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Telco Triad Community carries a financial health score of 96/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #262 of 4,374; by total assets it ranks #1,459 of 4,374 nationally (same basis as /rankings/largest); and #23 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.72% net worth ratio and a 0.20% delinquency rate.
How does Telco Triad Community compare to other credit unions?
On PlainCU's health composite, Telco Triad Community lands at 96/100, 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 Triad Community?
Membership eligibility for Telco Triad Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Telco Triad Community directly for current membership requirements and application steps.
Is my money safe at Telco Triad Community?
Federal credit unions like Telco Triad Community 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 Triad Community's net worth ratio of 11.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Telco Triad Community offer compared to banks?
Credit unions like Telco Triad Community 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 Triad Community 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.