Credit Union Safety Analysis
Is Tlcu Financial Safe? Mishawaka, Indiana
Based on its Q2 2026 NCUA 5300 call report, Tlcu Financial has a net worth ratio of 16.01%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.45%, 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, Tlcu Financial's net worth ratio is 16.01%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.01%
- Delinquency ratio (60+ days) (Q2 2026): 0.45%
- Return on assets (Q2 2026): 1.19%
- Loan-to-share ratio (Q2 2026): 39.14%
Tlcu Financial (NCUA charter 68286, established 1953) reported $59.4M in assets and 3,899 members for Q2 2026 from Mishawaka, Indiana. It ranks 60 of 118 credit unions in Indiana by total assets. Total assets grew 6.6% from $55.7M on June 30, 2025. 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.
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: 15.57% for Q1 2026; 15.88% 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: 0.47% for Q1 2026; 0.57% 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: 1.10% for Q1 2026; 1.20% 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: 38.61% for Q1 2026; 42.10% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.0M
- 1- to 4-family residential and other consumer real estate loans: $5.6M
- New vehicle loans: $3.3M
- Unsecured credit card loans: $1.1M
- Other unsecured loans and lines of credit: $745K
- Other secured non-real estate loans and lines of credit: $645K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $59.4M | 16.01% | 0.45% | 1.19% | 39.14% |
| March 31, 2026 | $59.9M | 15.57% | 0.47% | 1.10% | 38.61% |
| December 31, 2025 | $57.4M | 15.97% | 1.11% | 1.11% | 40.31% |
| September 30, 2025 | $56.4M | 15.99% | 0.99% | 1.18% | 41.18% |
| June 30, 2025 | $55.7M | 15.88% | 0.57% | 1.20% | 42.10% |
| March 31, 2025 | $55.3M | 15.70% | 0.55% | 0.97% | 41.66% |
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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 68286) · FFIEC NIC profile (RSSD 302487)
Frequently asked questions
Is Tlcu Financial well capitalized?
On its Q2 2026 NCUA 5300 call report, Tlcu Financial's net worth ratio is 16.01%, above the 7% NCUA threshold for well capitalized.
Is Tlcu Financial FDIC insured?
No. The FDIC insures banks, not credit unions. Tlcu Financial is a federally insured credit union (NCUA charter 68286): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tlcu Financial's key safety ratios?
For Q2 2026, Tlcu Financial reports net worth 16.01%, delinquency 0.45%, ROA 1.19%, loan-to-share 39.14%.
What happens to my money if Tlcu Financial fails?
For Q2 2026, Tlcu Financial held $49.5M in shares and deposits for 3,899 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.