TCP Credit Union Rural Hall, North Carolina
TCP Credit Union is a state-chartered credit union headquartered in Rural Hall, NC, established in 1980 (NCUA charter 65384), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,121 members and total assets of $15.9M (up 7.8% from Q2 2025), the 46th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 17.04% at Q2 2026, in the well capitalized band.
Also written as TCP CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 65384
- Headquarters
- Rural Hall, NC
- Established
- 1980
- Total assets, Q2 2026
- $15.9M
- Assets vs Q2 2025
- +7.8%
- Members, Q2 2026
- 2,121
- Net worth ratio, Q2 2026
- 17.04%
- Latest call report
- Q2 2026, NCUA 5300 · TCP Credit Union call report
- Asset rank in state
- 46th of 56 in North Carolina
- Routing number
- 253184825
- Branches
- 1
It has 6 more members than on June 30, 2025 (+0.3%). Its net worth ratio was down 1.17 percentage points from 18.21% on June 30, 2025. Used vehicle loans are its largest loan category, $6.5M of $9.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.23% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.04% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in North Carolina
Frequently asked about TCP Credit Union
How big is TCP Credit Union?
At Q2 2026 it reported total assets of $15.9M and 2,121 members.
Where is TCP Credit Union headquartered?
It is headquartered in Rural Hall, NC, United States.
When was TCP Credit Union founded?
It was established in 1980, per NCUA records.
Is TCP Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 65384): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates TCP Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is TCP Credit Union well capitalized?
Its net worth ratio was 17.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is TCP Credit Union's delinquency ratio?
Its delinquency ratio was 1.23% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is TCP Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.91% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rural Hall, NC 27045
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1980
- NCUA Charter #
- 65384
- RSSD ID
- 622493
- Members
- 2,121
- Potential members
- 6,363
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.04% | 14.31% | 63rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.30% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.78% | 4.74% | 30th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.41% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.52% | 79.83% | 34th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.73% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.23% | 0.86% | 41st below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 7.14% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 75.91% | 58.92% | 75th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$15.9M total assets against $14.8M; $13.1M total shares and deposits against $12.0M; $9.9M total loans against $10.6M.
$2.7M net worth against $2.7M.
17.04% net worth ratio against 18.21%.
75.91% loan-to-share ratio against 88.23%.
1.23% delinquency ratio against 0.77%.
0.30% return on assets against 0.40%; 1.78% return on equity against 2.17%.
5.41% net interest margin against 5.48%.
2,121 members against 2,115.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.04% | 0.30% | 1.23% | 75.91% |
| March 31, 2026 | 16.88% | 0.33% | 0.22% | 75.32% |
| December 31, 2025 | 17.40% | -0.01% | 1.48% | 78.87% |
| September 30, 2025 | 18.26% | 0.34% | 2.00% | 85.80% |
| June 30, 2025 | 18.21% | 0.40% | 0.77% | 88.23% |
| March 31, 2025 | 18.31% | 0.84% | 0.94% | 88.94% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.