Tcp Credit Union (NCUA charter #65384) is based in Rural Hall, North Carolina. Its Q2 2026 call report shows $15.9M in total assets and $13.1M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Tcp Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 24th. Its strongest component is capital cushion (100/100; 17.04%), and its lowest is earnings (33/100; 0.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (78 → 73), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 69 |
| Q4 2024 | 69 |
| Q1 2025 | 78 |
| Q2 2025 | 78 |
| Q3 2025 | 66 |
| Q4 2025 | 71 |
| Q1 2026 | 82 |
| Q2 2026 | 73 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 18.79% |
| Q3 2024 | 18.89% |
| Q4 2024 | 19.13% |
| Q1 2025 | 18.31% |
| Q2 2025 | 18.21% |
| Q3 2025 | 18.26% |
| Q4 2025 | 17.40% |
| Q1 2026 | 16.88% |
| Q2 2026 | 17.04% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.28% |
| Q3 2024 | 0.79% |
| Q4 2024 | 1.03% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.77% |
| Q3 2025 | 2.00% |
| Q4 2025 | 1.48% |
| Q1 2026 | 0.22% |
| Q2 2026 | 1.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.16% |
| Q3 2024 | -0.34% |
| Q4 2024 | -0.08% |
| Q1 2025 | 0.84% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.33% |
| Q2 2026 | 0.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $15.9M | 17.04% | 1.23% | 0.32% | 75.9% |
| Q1 2026 | 82 | $16.0M | 16.88% | 0.22% | 0.33% | 75.3% |
| Q4 2025 | 71 | $15.5M | 17.40% | 1.48% | 0.37% | 78.9% |
| Q3 2025 | 66 | $14.8M | 18.26% | 2.00% | 0.52% | 85.8% |
| Q2 2025 | 78 | $14.8M | 18.21% | 0.77% | 0.61% | 88.2% |
| Q1 2025 | 78 | $14.6M | 18.31% | 0.94% | 0.84% | 88.9% |
| Q4 2024 | 69 | $13.8M | 19.13% | 1.03% | -0.08% | 93.3% |
| Q3 2024 | 69 | $14.0M | 18.89% | 0.79% | -0.34% | 91.6% |
| Q2 2024 | 66 | $14.2M | 18.79% | 1.28% | -0.16% | 91.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greensboro Postal Credit UnionCredit union Greensboro, NC | 53 out of 100, Below average | $15.6M | 34.3% | 5.89% | vs |
| Lithium Federal Credit UnionCredit union Bessemer City, NC | 53 out of 100, Below average | $16.2M | 13.8% | 2.48% | vs |
| Greater Kinston Credit UnionCredit union Kinston, NC | 57 out of 100, Moderate | $14.3M | 12.4% | 1.28% | vs |
| Internal Revenue Employees Federal Credit UnionCredit union Greensboro, NC | 80 out of 100, Strong | $12.2M | 29.4% | 0.75% | vs |
| North Carolina Press Association Federal Credit UnionCredit union Raleigh, NC | 75 out of 100, Strong | $12.0M | 18.8% | 2.76% | vs |
| Guco Credit UnionCredit union Greenville, NC | 81 out of 100, Strong | $10.2M | 17.8% | 0.13% | vs |
Deposit insurance
Is my money safe at Tcp Credit Union?
Yes. Tcp Credit Union is a federally insured credit union (NCUA charter #65384). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.4% of shares and deposits ($58K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 17.04%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Tcp Credit Union lists 1 office in 1 city. Most locations:
- Rural Hall, NC (1)
Identity & history
Profile
- Legal name
- Tcp Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 65384
- RSSD ID
- 622493
- Primary regulator
- State + NCUA
- Established
- 1980
- Headquarters
- P O Box 881, Rural Hall, NC 27045
- Employees
- 7
Quick answers
Tcp Credit Union: common questions
Is Tcp Credit Union NCUA insured?
Yes. Tcp Credit Union is a federally insured credit union (NCUA charter #65384). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Tcp Credit Union's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Tcp Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Rural Hall
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| BlueHarbor BankBank Mooresville, NC | 82 out of 100, Strong | $628.4M | 11.8% | 0.00% | vs |
| Piedmont Federal Savings BankBank Winston Salem, NC | 78 out of 100, Strong | $1.3B | 18.6% | 0.16% | vs |
| The Fidelity BankBank Fuquay Varina, NC | 78 out of 100, Strong | $4.7B | 11.5% | 0.42% | vs |
| American Pride BankBank Macon, GA | 77 out of 100, Strong | $1.0B | 14.1% | 0.00% | vs |