State credit union · Adrian, Michigan · NCUA charter #60509
Tlc Community
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $919.9M
- Total assets
- 56,926
- Members
- 14.3%
- Net-worth ratio
Tlc Community scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $919.9M; members 56,926; net-worth ratio 14.28%; health rank #473 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#473 of 4,374 health · 2025Q4Tlc Community · health 94/100 · $919.9M · 2025Q4
- CHARTER 94/100
- NCUSIF 14.3%
- CAMELS 0.13%
- HEALTH 1.06%
- NW $919.9M
- DELQ 56,926
- ROA #473/4,374
- ASSETS Community First
- MEM 60509
Call Report peers
Tlc Community in the assets neighbourhood
Tlc Community's $919.9M assets sit next to Community First ($914.9M) 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.
Tlc 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
94 Top 13% higher than 87% 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
Tlc Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60509 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Tlc Community diverges from peer averages
- Net Worth Ratio leads the peer set - 14.28% here, 11.18% peer average (+3.10 pp).
- Largest lag: Loan-to-Share Ratio at 59.21% vs peer 83.90% (-24.69 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tlc Community in Michigan
- Michigan health ordinal: #16 of 171.
- By total assets, Tlc Community is #30 of 171 in Michigan.
- Member book place in Michigan: #30 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Tlc Community
Tlc Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.0% from $919.9M (2025Q4) to $938.0M (2026Q1).
- Net-worth ratio shifted -0.08 pp (14.36% → 14.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 12.6 pts
Tlc Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.28% | +3.10 pp |
| Delinquency Rate | 0.13% | -0.75 pp |
| Return on Assets | 1.06% | +0.55 pp |
| Member Growth | 2.04% | - |
| Loan-to-Share Ratio | 59.21% | -24.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $938.0M | - |
| 2025Q4 | $919.9M | 56,926 |
| 2024Q4 | $784.2M | 55,790 |
| 2023Q4 | $715.8M | 55,192 |
Credit Union Details
- Charter Number
- 60509
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Adrian
- Data Quarter
- 2025Q4
Branch Locations (9)
Tlc Community operates 9 offices across 7 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Adrian, MI |
| Beecher | Adrian, MI |
| NAB | Adrian, MI |
| Blissfield | Blissfield, MI |
| Brooklyn | Brooklyn, MI |
| Clinton | Clinton, MI |
| Dundee | Dundee, MI |
| Lambertville | Lambertville, MI |
| Tecumseh | Tecumseh, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Tlc Community nationwide neighbourhoods
Two NCUA Call Report peer sets for Tlc Community, both outside Michigan 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 ($919.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Tlc Community ranks #473 of 4,374 nationally on financial health and #16 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arbor Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arbor Financial
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 Tlc Community financially healthy?
A 14.28% net worth ratio and a 0.13% delinquency rate feed into Tlc Community's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #473 of 4,374; by total assets it ranks #498 of 4,374 nationally (same basis as /rankings/largest); and #30 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tlc Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Tlc Community's 94/100 score on PlainCU's health composite, compared to a peer group average for Over $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 Tlc Community?
Membership eligibility for Tlc Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tlc Community directly for current membership requirements and application steps.
Is my money safe at Tlc Community?
Federal credit unions like Tlc 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. Tlc Community's net worth ratio of 14.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tlc Community offer compared to banks?
Credit unions like Tlc 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 Tlc 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.