TLCU FINANCIAL
Charter #68286 · MISHAWAKA, IN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.57% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.08% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 52nd — a 27-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 | TLCU FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $59.89M | 25th pct | 52th pct |
| Members | 3,890 | 25th pct | 38th pct |
| Net worth ratio | 15.57% | 74th pct | 79th pct |
| Return on average assets | 1.12% | 71th pct | 62th pct |
| Net interest margin | 3.60% | 45th pct | 36th pct |
| Cost of funds | 1.01% | 56th pct | 72th pct |
| Loan-to-share | 38.61% | 12th pct | 20th pct |
| Delinquency 60+ days | 0.47% | 41th pct | 48th pct |
| Net charge-off ratio | -0.08% | 5th pct | 7th pct |
| Loan growth YoY | -0.09% | 64th pct | 79th pct |
| Share growth YoY | 6.56% | 85th pct | 87th pct |
| Efficiency ratio | 74.83% | 35th pct | 38th pct |
structural peer set hash: 410d467432ca7d3600bf7fc7c4f719d7… (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.