Federal credit union · LITTLE ROCK, Arkansas · NCUA charter #24202
TELCOE
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $494.4M
- Total assets
- 23,521
- Members
- 20.1%
- Net-worth ratio
TELCOE scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $494.4M; members 23,521; net-worth ratio 20.12%; health rank #1,562 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,562 of 4,374 health · 2025Q4TELCOE · health 87/100 · $494.4M · 2025Q4
- ASSETS 87/100
- MEM 20.1%
- RANK 0.11%
- PHOTO 0.12%
- BOOK $494.4M
- CHARTER 23,521
- NCUSIF #1,562/4,374
- CAMELS GREENVILLE
- HEALTH 24202
Call Report peers
TELCOE in the assets neighbourhood
TELCOE's $494.4M assets sit next to GREENVILLE ($494.6M) 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.
TELCOE 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
TELCOE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24202. See our deposit-insurance coverage note.
TELCOE vs $100M–$500M peers
- Largest favorable gap: Net Worth Ratio at 20.12% vs peer 12.11% (+8.01 pp).
- Largest lag: Loan-to-Share Ratio at 36.58% vs peer 72.20% (-35.62 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where TELCOE sits in Arkansas
- Health composite ranks #17 of 48 among scored Arkansas credit unions.
- Arkansas assets place: #2 of 48.
- Arkansas membership ordinal: #2 of 48.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
TELCOE: 2025Q4 → 2026Q1
TELCOE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $494.4M (2025Q4) to $501.2M (2026Q1).
- Net-worth ratio shifted -0.05 pp (20.17% → 20.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 20.12%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 25.0 pts
- Return on Assets 9.3 pts
- Member Growth 13.3 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.12% | +8.01 pp |
| Delinquency Rate | 0.11% | -0.78 pp |
| Return on Assets | 0.12% | -0.50 pp |
| Member Growth | 3.61% | - |
| Loan-to-Share Ratio | 36.58% | -35.62 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).
Call Report history - TELCOE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $501.2M | - |
| 2025Q4 | $494.4M | 23,521 |
| 2024Q4 | $462.6M | 22,702 |
| 2023Q4 | $454.1M | 22,658 |
Credit Union Details
- Charter Number
- 24202
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Arkansas
- City
- LITTLE ROCK
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, TELCOE runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Telcoe FCU (Main Office) | Little Rock, AR |
| Bowman | Little Rock, AR |
| Russ | Russellville, AR |
| Sherwood | Sherwood, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
A look at other Arkansas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for TELCOE
Two NCUA Call Report peer sets for TELCOE, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($494.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- TELCOE ranks #1,562 of 4,374 nationally on financial health and #17 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SUCCESS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SUCCESS
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas 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 TELCOE financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - TELCOE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,562 of 4,374; by total assets it ranks #755 of 4,374 nationally (same basis as /rankings/largest); and #2 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.12% net worth ratio and 0.11% delinquency rate are the key drivers.
How does TELCOE compare to other credit unions?
On PlainCU's health composite, TELCOE 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 TELCOE?
TELCOE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TELCOE directly for the exact boundaries and application steps.
Is my money safe at TELCOE?
Federal credit unions like TELCOE 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. TELCOE's net worth ratio of 20.12% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TELCOE offer compared to banks?
Credit unions like TELCOE 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 TELCOE 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.