State credit union · Columbus, Ohio · NCUA charter #62848
Telhio
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $1.35B
- Total assets
- 68,199
- Members
- 7.2%
- Net-worth ratio
Telhio - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62848. See our deposit-insurance coverage note.
Telhio - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)76
- Asset quality (delinquency)64
- Earnings (ROA)25
- Member growth64
- Liquidity (loan-to-share)89
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.17%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.17% | 30% |
| Delinquency Rate | 1.53% | 25% |
| Return on Assets | -0.08% | 15% |
| Member Growth | 0.53% | 15% |
| Loan-to-Share Ratio | 93.68% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.35B | 68,199 |
| 2024Q4 | $1.43B | 67,839 |
| 2023Q4 | $1.37B | 66,781 |
Credit Union Details
- Charter Number
- 62848
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Ohio
- City
- Columbus
- Data Quarter
- 2025Q4
What This Data Says About Telhio
The five-factor composite scores Telhio at 66/100 (Good), reflecting a net worth ratio of 7.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Columbus, Ohio, reports 68,199 members, $1.35B in total assets, and $1.08B in outstanding loans as of Q4 2025 under charter #62848 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
1.53% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 93.68% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.08% on net income of $-1137385 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 0.53%. 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 Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
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 Telhio financially healthy?
A 7.17% net worth ratio and a 1.53% delinquency rate feed into Telhio's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Telhio compare to other credit unions?
Telhio scores 66/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Telhio?
Membership eligibility for Telhio depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Telhio directly for current membership requirements and application steps.
Is my money safe at Telhio?
Federal credit unions like Telhio 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. Telhio's net worth ratio of 7.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Telhio offer compared to banks?
Credit unions like Telhio 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 Telhio 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.