Credit Union Safety Analysis
Is Telco Credit Union Safe? Tarboro, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Telco Credit Union has a net worth ratio of 12.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 6.00%, 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, Telco Credit Union's net worth ratio is 12.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.54%
- Delinquency ratio (60+ days) (Q2 2026): 6.00%
- Return on assets (Q2 2026): -1.82%
- Loan-to-share ratio (Q2 2026): 90.94%
Telco Credit Union (NCUA charter 66319, established 1941) reported $51.3M in assets and 6,648 members for Q2 2026 from Tarboro, North Carolina. It ranks 35 of 56 credit unions in North Carolina by total assets. Total assets fell 0.3% from $51.4M on June 30, 2025. It has 141 more members than on June 30, 2025 (+2.2%). Its net worth ratio was down 0.85 percentage points from 13.39% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.9M of $40.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 6.00% 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: 12.47% for Q1 2026; 13.39% 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: 2.88% for Q1 2026; 3.28% 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: 0.26% for Q1 2026; -0.74% 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: 86.58% for Q1 2026; 96.51% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $15.9M
- Used vehicle loans: $13.2M
- Other unsecured loans and lines of credit: $4.8M
- Other secured non-real estate loans and lines of credit: $2.8M
- New vehicle loans: $2.5M
- Unsecured credit card loans: $1.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $51.3M | 12.54% | 6.00% | -1.82% | 90.94% |
| March 31, 2026 | $53.5M | 12.47% | 2.88% | 0.26% | 86.58% |
| December 31, 2025 | $53.6M | 12.37% | 2.70% | 1.18% | 87.81% |
| September 30, 2025 | $51.5M | 13.22% | 3.63% | -0.63% | 94.52% |
| June 30, 2025 | $51.4M | 13.39% | 3.28% | -0.74% | 96.51% |
| March 31, 2025 | $52.1M | 13.41% | 2.10% | -0.40% | 90.13% |
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Free to use. It shows Telco 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 66319) · FFIEC NIC profile (RSSD 331991)
Frequently asked questions
Is Telco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Telco Credit Union's net worth ratio is 12.54%, above the 7% NCUA threshold for well capitalized.
Is Telco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Telco Credit Union is a federally insured credit union (NCUA charter 66319): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Telco Credit Union's key safety ratios?
For Q2 2026, Telco Credit Union reports net worth 12.54%, delinquency 6.00%, ROA -1.82%, loan-to-share 90.94%.
What happens to my money if Telco Credit Union fails?
For Q2 2026, Telco Credit Union held $44.7M in shares and deposits for 6,648 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.