State credit union · MISHAWAKA, Indiana · NCUA charter #68286
Tlcu Financial
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $57.4M
- Total assets
- 3,907
- Members
- 15.6%
- Net-worth ratio
Tlcu Financial scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.4M; members 3,907; net-worth ratio 15.57%; health rank #2,554 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,554 of 4,374 health · 2025Q4Tlcu Financial · health 81/100 · $57.4M · 2025Q4
Call Report peers
Tlcu Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tlcu Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tlcu Financial sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Tlcu Financial diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +1.95 pp (15.57% vs 13.62%).
- Largest lag: Loan-to-Share Ratio at 40.31% vs peer 62.60% (-22.29 pp).
Tlcu Financial in Indiana
- In Indiana, health place is #71 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #60 of 124 inside Indiana ($57.4M reported).
- Member book place in Indiana: #68 of 124.
- One place up in Indiana, Martin County Cooperative (#70) ties at 81/100; one place down, TIPPECANOE (#72) ties at 81/100.
How Tlcu Financial's 5300 filing moved
Tlcu Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.4% from $57.4M (2025Q4) to $59.9M (2026Q1).
- Net-worth ratio shifted -0.40 pp (15.97% → 15.57%).
At 15.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Tlcu Financial gives up 19 points in total. Member Growth costs the most, 8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 7.0 pts
- Loan-to-Share Ratio 9.8 pts
Tlcu Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.57% | +1.95 pp |
| Delinquency Rate | 1.11% | +0.15 pp |
| Return on Assets | 1.18% | +0.53 pp |
| Member Growth | -1.14% | - |
| Loan-to-Share Ratio | 40.31% | -22.29 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.9M | - |
| 2025Q4 | $57.4M | 3,907 |
| 2024Q4 | $53.2M | 3,952 |
| 2023Q4 | $53.0M | 3,973 |
Credit Union Details
- Charter Number
- 68286
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Indiana
- City
- MISHAWAKA
- Data Quarter
- 2025Q4
Branch Locations (2)
Tlcu Financial operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mishawaka (Main Office) | Mishawaka, IN |
| Bremen | Bremen, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Tlcu Financial
Using this data
- Tlcu Financial ranks #2,554 of 4,374 nationally on financial health and #71 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Partners is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Partners
Frequently Asked Questions
Is Tlcu Financial financially healthy?
Tlcu Financial has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,554 of 4,374 nationally on health and #71 of 124 in Indiana. Its net worth ratio is 15.57% and its delinquency rate 1.11%.
How does Tlcu Financial compare to other credit unions?
Tlcu Financial scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (15.57% vs 13.62%). Its widest shortfall is loan-to-share ratio (40.31% vs 62.60%).
How can I join Tlcu Financial?
Membership eligibility for Tlcu Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tlcu Financial directly for current membership requirements and application steps.
Is my money safe at Tlcu Financial?
Tlcu Financial is a state-chartered credit union; its shares are federally 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. Tlcu Financial's net worth ratio of 15.57% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.