TLC COMMUNITY
Charter #60509 · Adrian, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.28% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.91% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 62nd — a 29-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TLC COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $937.95M | 92th pct | 62th pct |
| Members | 49,057 | 71th pct | 66th pct |
| Net worth ratio | 14.28% | 89th pct | 90th pct |
| Return on average assets | 0.78% | 61th pct | 57th pct |
| Net interest margin | 2.91% | 16th pct | 25th pct |
| Cost of funds | 0.84% | 18th pct | 30th pct |
| Loan-to-share | 58.82% | 11th pct | 31th pct |
| Delinquency 60+ days | 0.10% | 3th pct | 5th pct |
| Net charge-off ratio | 0.19% | 20th pct | 33th pct |
| Loan growth YoY | 3.12% | 74th pct | 66th pct |
| Share growth YoY | 4.56% | 60th pct | 62th pct |
| Efficiency ratio | 76.37% | 41th pct | 41th pct |
structural peer set hash: 6e0971b6be064ed87302de9a43a669f0… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.