TELCO COMMUNITY CREDIT UNION
Charter #63545 · Candler, NC · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 34,980 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.61% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.90% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.10% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 26th percentile but its structural peers at the 10th — a 16-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 COMMUNITY CREDIT UNION | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $424.47M | 93th pct | 77th pct |
| Members | 34,980 | 97th pct | 92th pct |
| Net worth ratio | 12.26% | 60th pct | 70th pct |
| Return on average assets | 1.61% | 91th pct | 87th pct |
| Net interest margin | 3.39% | 34th pct | 44th pct |
| Cost of funds | 1.28% | 54th pct | 54th pct |
| Loan-to-share | 60.49% | 28th pct | 21th pct |
| Delinquency 60+ days | 0.90% | 71th pct | 75th pct |
| Net charge-off ratio | 0.10% | 19th pct | 20th pct |
| Loan growth YoY | -1.07% | 35th pct | 36th pct |
| Share growth YoY | 1.87% | 26th pct | 10th pct |
| Efficiency ratio | 67.70% | 20th pct | 26th pct |
structural peer set hash: 812537e3468555374bbd81d6af52e90c… (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.