Telco

TARBORO, NC · 2 · Charter #66319 · www.telcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$53.6M
4th percentile
Members
6,538
40th percentile
Total loans
$41.1M
29th percentile
Total shares
$45.2M
4th percentile

Profitability

Return on assets
1.40%
72th percentile
Net interest margin
4.91%
95th percentile
Efficiency ratio
63.40%
48th percentile
Non-interest income ratio
19.92%
64th percentile

Capital & Risk

Net worth ratio
12.37%
52th percentile
Delinquency rate
2.70%
4th percentile
Net charge-off rate
1.75%
3th percentile
Loan-to-share
91.01%
88th percentile

Growth

Member growth YoY
1.04%
70th percentile
Asset growth YoY
3.58%
47th percentile
Loan growth YoY
3.12%
60th percentile
Share growth YoY
6.81%
76th percentile

Operations

Members / branch
3,269
54th percentile
Assets / member
$8,203
5th percentile
Field of membership penetration
10.09%
59th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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