State credit union · Adrian, Michigan · NCUA charter #60509
Tlc Community
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $919.9M
- Total assets
- 56,926
- Members
- 14.4%
- Net-worth ratio
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.
Tlc Community - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)84
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.36% | 30% |
| Delinquency Rate | 0.13% | 25% |
| Return on Assets | 1.06% | 15% |
| Member Growth | 2.04% | 15% |
| Loan-to-Share Ratio | 59.21% | 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 | $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
What This Data Says About Tlc Community
The five-factor composite scores Tlc Community at 94/100 (Excellent), reflecting a net worth ratio of 14.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Adrian, Michigan, reports 56,926 members, $919.9M in total assets, and $426.6M in outstanding loans as of Q4 2025 under charter #60509 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
0.13% 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 tighter than peers. Deposit deployment is captured by the 59.21% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.06% on net income of $9.8M 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 2.04%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
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 Tlc Community financially healthy?
A 14.36% 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. 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 14.36% 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.
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.