TELCO
Charter #66319 · TARBORO, NC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.26% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 4.99% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.01% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.88% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.93% sits at the 85th percentile of structural peers — worth a closer look.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $53.47M | 9th pct | 25th pct |
| Members | 6,645 | 75th pct | 69th pct |
| Net worth ratio | 12.47% | 47th pct | 59th pct |
| Return on average assets | 0.26% | 25th pct | 20th pct |
| Net interest margin | 4.99% | 96th pct | 89th pct |
| Cost of funds | 0.01% | 1th pct | 3th pct |
| Loan-to-share | 86.58% | 92th pct | 67th pct |
| Delinquency 60+ days | 2.88% | 97th pct | 97th pct |
| Net charge-off ratio | 0.93% | 88th pct | 85th pct |
| Loan growth YoY | -4.19% | 25th pct | 15th pct |
| Share growth YoY | 4.60% | 70th pct | 67th pct |
| Efficiency ratio | 83.11% | 60th pct | 64th pct |
structural peer set hash: 045010a1ef4deff514fb4027ede47a2b… (reproducible)
Closest structural peers
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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.