TELCO TRIAD COMMUNITY
Charter #63218 · Sioux City, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.10% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.32% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.16% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 88.56% sits at the 87th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 41st — a 33-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 | TELCO TRIAD COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $163.22M | 36th pct | 64th pct |
| Members | 16,018 | 63th pct | 61th pct |
| Net worth ratio | 11.72% | 53th pct | 56th pct |
| Return on average assets | 0.34% | 25th pct | 31th pct |
| Net interest margin | 4.06% | 74th pct | 41th pct |
| Cost of funds | 0.10% | 7th pct | 5th pct |
| Loan-to-share | 83.43% | 76th pct | 70th pct |
| Delinquency 60+ days | 0.32% | 24th pct | 15th pct |
| Net charge-off ratio | 0.16% | 25th pct | 7th pct |
| Loan growth YoY | -1.07% | 35th pct | 28th pct |
| Share growth YoY | 3.54% | 52th pct | 43th pct |
| Efficiency ratio | 88.56% | 81th pct | 87th pct |
structural peer set hash: c8eb8a1514f250fcd9576b0cc95bbd04… (reproducible)
Closest structural peers
This is the free public view
Claim TELCO TRIAD COMMUNITY
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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.