Credit Union Safety Analysis
Is TCP Credit Union Safe? Rural Hall, North Carolina
Based on its Q2 2026 NCUA 5300 call report, TCP Credit Union has a net worth ratio of 17.04%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.23%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, TCP Credit Union's net worth ratio is 17.04%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.04%
- Delinquency ratio (60+ days) (Q2 2026): 1.23%
- Return on assets (Q2 2026): 0.30%
- Loan-to-share ratio (Q2 2026): 75.91%
TCP Credit Union (NCUA charter 65384, established 1980) reported $15.9M in assets and 2,121 members for Q2 2026 from Rural Hall, North Carolina. It ranks 46 of 56 credit unions in North Carolina by total assets. Total assets grew 7.8% from $14.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.88% for Q1 2026; 18.21% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.22% for Q1 2026; 0.77% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.33% for Q1 2026; 0.40% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 75.32% for Q1 2026; 88.23% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.5M
- Other unsecured loans and lines of credit: $2.3M
- New vehicle loans: $418K
- 1- to 4-family residential and other consumer real estate loans: $352K
- Other secured non-real estate loans and lines of credit: $277K
- Unsecured credit card loans: $188K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.9M | 17.04% | 1.23% | 0.30% | 75.91% |
| March 31, 2026 | $16.0M | 16.88% | 0.22% | 0.33% | 75.32% |
| December 31, 2025 | $15.5M | 17.40% | 1.48% | -0.01% | 78.87% |
| September 30, 2025 | $14.8M | 18.26% | 2.00% | 0.34% | 85.80% |
| June 30, 2025 | $14.8M | 18.21% | 0.77% | 0.40% | 88.23% |
| March 31, 2025 | $14.6M | 18.31% | 0.94% | 0.84% | 88.94% |
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Free to use. It shows TCP Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65384) · FFIEC NIC profile (RSSD 622493)
Frequently asked questions
Is TCP Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, TCP Credit Union's net worth ratio is 17.04%, above the 7% NCUA threshold for well capitalized.
Is TCP Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. TCP Credit Union is a federally insured credit union (NCUA charter 65384): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are TCP Credit Union's key safety ratios?
For Q2 2026, TCP Credit Union reports net worth 17.04%, delinquency 1.23%, ROA 0.30%, loan-to-share 75.91%.
What happens to my money if TCP Credit Union fails?
For Q2 2026, TCP Credit Union held $13.1M in shares and deposits for 2,121 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.