Tlcu Financial Mishawaka, Indiana
Tlcu Financial is a state-chartered credit union headquartered in Mishawaka, IN, established in 1953 (NCUA charter 68286), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,899 members and total assets of $59.4M (up 6.6% from Q2 2025), the 60th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 16.01% at Q2 2026, in the well capitalized band.
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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
- 68286
- Headquarters
- Mishawaka, IN
- Established
- 1953
- Total assets, Q2 2026
- $59.4M
- Assets vs Q2 2025
- +6.6%
- Members, Q2 2026
- 3,899
- Net worth ratio, Q2 2026
- 16.01%
- Latest call report
- Q2 2026, NCUA 5300 · Tlcu Financial call report
- Asset rank in state
- 60th of 118 in Indiana
- Routing number
- 271291525
- Branches
- 2
It has 46 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 0.13 percentage points from 15.88% on June 30, 2025. Used vehicle loans are its largest loan category, $8.0M of $19.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.45% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.01% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Indiana
Frequently asked about Tlcu Financial
How big is Tlcu Financial?
At Q2 2026 it reported total assets of $59.4M and 3,899 members.
Where is Tlcu Financial headquartered?
It is headquartered in Mishawaka, IN, United States.
When was Tlcu Financial founded?
It was established in 1953, per NCUA records.
Is Tlcu Financial FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68286): 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 Tlcu Financial?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Tlcu Financial well capitalized?
Its net worth ratio was 16.01% 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 Tlcu Financial's delinquency ratio?
Its delinquency ratio was 0.45% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tlcu Financial's loan-to-share ratio?
Its loan-to-share ratio was 39.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mishawaka, IN 46545
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 68286
- RSSD ID
- 302487
- Members
- 3,899
- Potential members
- 250,000
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 0 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.01% | 14.31% | 58th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.19% | 0.72% | 70th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.44% | 4.74% | 67th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.63% | 3.93% | 38th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 75.28% | 79.83% | 60th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.92% | 0.78% | 43rd below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.45% | 0.86% | 70th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.54% | 4.70% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 39.14% | 58.92% | 21st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$59.4M total assets against $55.7M; $49.5M total shares and deposits against $46.4M; $19.4M total loans against $19.6M.
$9.5M net worth against $8.8M.
16.01% net worth ratio against 15.88%.
39.14% loan-to-share ratio against 42.10%.
0.45% delinquency ratio against 0.57%.
1.19% return on assets against 1.20%; 7.44% return on equity against 7.56%.
3.63% net interest margin against 3.51%.
3,899 members against 3,945.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.01% | 1.19% | 0.45% | 39.14% |
| March 31, 2026 | 15.57% | 1.10% | 0.47% | 38.61% |
| December 31, 2025 | 15.97% | 1.11% | 1.11% | 40.31% |
| September 30, 2025 | 15.99% | 1.18% | 0.99% | 41.18% |
| June 30, 2025 | 15.88% | 1.20% | 0.57% | 42.10% |
| March 31, 2025 | 15.70% | 0.97% | 0.55% | 41.66% |
Scroll sideways to see every column.
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.