State credit union · Springfield, Missouri · NCUA charter #63116
TELCOMM
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $323.8M
- Total assets
- 25,039
- Members
- 13.3%
- Net-worth ratio
TELCOMM scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $323.8M; members 25,039; net-worth ratio 13.31%; health rank #92 of 4,374; healthier than 97th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#92 of 4,374 health · 2025Q4TELCOMM · health 98/100 · $323.8M · 2025Q4
- CAMELS 98/100
- HEALTH 13.3%
- NW 0.40%
- DELQ 0.62%
- ROA $323.8M
- ASSETS 25,039
- MEM #92/4,374
- RANK EVOLVE
- PHOTO 63116
Call Report peers
TELCOMM in the assets neighbourhood
TELCOMM's $323.8M assets sit next to EVOLVE ($323.5M) 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.
TELCOMM 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
98 Top 3% higher than 97% 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
TELCOMM - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63116. See our deposit-insurance coverage note.
TELCOMM vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 83.21% here, 72.20% peer average (+11.01 pp).
- Widest shortfall vs peers is Return on Assets: -0.01 pp (0.62% vs 0.62%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TELCOMM in Missouri
- Missouri health ordinal: #4 of 89.
- Missouri assets place: #16 of 89.
- Membership ranks #13 of 89 among Missouri CUs with a reported count (25,039 members).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How TELCOMM's 5300 filing moved
TELCOMM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $323.8M (2025Q4) to $330.3M (2026Q1).
- Net-worth ratio shifted -0.17 pp (13.48% → 13.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.31% | +1.20 pp |
| Delinquency Rate | 0.40% | -0.50 pp |
| Return on Assets | 0.62% | -0.01 pp |
| Member Growth | 3.68% | - |
| Loan-to-Share Ratio | 83.21% | +11.01 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $330.3M | - |
| 2025Q4 | $323.8M | 25,039 |
| 2024Q4 | $308.2M | 24,150 |
| 2023Q4 | $298.9M | 23,475 |
Credit Union Details
- Charter Number
- 63116
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Springfield
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, TELCOMM runs 7 offices in 3 different cities.
| Office | City |
|---|---|
| Sunshine Branch (Main Office) | Springfield, MO |
| Nixa | Nixa, MO |
| Republic branch | Republic, MO |
| Battlefield branch | Springfield, MO |
| Chestnut branch | Springfield, MO |
| E Republic Street branch | Springfield, MO |
| Operations Center | Springfield, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
TELCOMM nationwide neighbourhoods
Two NCUA Call Report peer sets for TELCOMM, both outside Missouri 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 ($323.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
Using this data
- TELCOMM ranks #92 of 4,374 nationally on financial health and #4 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Plains is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Plains
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 TELCOMM financially healthy?
A 13.31% net worth ratio and a 0.40% delinquency rate feed into TELCOMM's financial health score of 98/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #92 of 4,374; by total assets it ranks #994 of 4,374 nationally (same basis as /rankings/largest); and #16 of 89 within Missouri. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does TELCOMM compare to other credit unions?
Five weighted metrics from NCUA filings produce TELCOMM's 98/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 TELCOMM?
Membership eligibility for TELCOMM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact TELCOMM directly for current membership requirements and application steps.
Is my money safe at TELCOMM?
Federal credit unions like TELCOMM 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. TELCOMM's net worth ratio of 13.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TELCOMM offer compared to banks?
Credit unions like TELCOMM 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 TELCOMM 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.