TellerScore

Telco Credit Union is a federally insured state-chartered credit union headquartered in Tarboro, North Carolina, in business for about 85 years. At the end of Q2 2026 it reported $51.3M in total assets and $44.7M in member shares and deposits, with 2 offices.

Telco Credit Union has a TellerScore of 35 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 54th. Capital cushion contributes the most (75/100, 12.54%); earnings contributes the least (0/100, -0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.54%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 6.00%
Earnings0/100
Return on assets (annualized): -0.77%
Funding & liquidity69/100
Loans ÷ shares: 90.9% · 6.8% uninsured
Problem-loan coverage22/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 39.18%

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 (40 → 35), mostly because the problem-loan coverage component weakened by 33 points.

TellerScore
354962Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202459
Q4 202457
Q1 202551
Q2 202540
Q3 202540
Q4 202545
Q1 202647
Q2 202635
Net worth ratio
7.00%10.38%13.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.46%
Q3 202413.77%
Q4 202413.59%
Q1 202513.41%
Q2 202513.39%
Q3 202513.22%
Q4 202512.37%
Q1 202612.47%
Q2 202612.54%
Delinquent loans (60+ days)
1.42%3.71%6.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.42%
Q3 20241.83%
Q4 20241.96%
Q1 20252.10%
Q2 20253.28%
Q3 20253.63%
Q4 20252.70%
Q1 20262.88%
Q2 20266.00%
Return on assets
-0.77%-0.26%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.12%
Q3 20240.02%
Q4 20240.04%
Q1 2025-0.40%
Q2 2025-0.57%
Q3 2025-0.59%
Q4 2025-0.13%
Q1 20260.26%
Q2 2026-0.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202635$51.3M12.54%6.00%-0.77%90.9%
Q1 202647$53.5M12.47%2.88%0.26%86.6%
Q4 202545$53.6M12.37%2.70%-0.13%87.8%
Q3 202540$51.5M13.22%3.63%-0.59%94.5%
Q2 202540$51.4M13.39%3.28%-0.57%96.5%
Q1 202551$52.1M13.41%2.10%-0.40%90.1%
Q4 202457$51.8M13.59%1.96%0.04%89.3%
Q3 202459$51.6M13.77%1.83%0.02%86.4%
Q2 202462$52.5M13.46%1.42%-0.12%83.5%

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).

Capital ratio12.54%
36th
Problem loans6.00%
5th
Net charge-offs1.92%
6th
Return on assets-0.77%
8th
Loans to deposits90.9%
8th
Uninsured deposits6.8%
13th
Loan-loss reserves0.00%
37th
Texas ratio39.2%
1st

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Healthshare Credit UnionCredit union Greensboro, NC72 out of 100, Strong$50.5M13.3%0.33%vs
Charlotte Fire Department Credit UnionCredit union Charlotte, NC74 out of 100, Strong$56.0M14.0%1.59%vs
Carolina CooperativeCredit union Charlotte, NC64 out of 100, Moderate$46.3M14.2%1.73%vs
Vision Financial Federal Credit UnionCredit union Durham, NC94 out of 100, Very strong$59.5M16.8%0.00%vs
Acclaim Federal Credit UnionCredit union Greensboro, NC78 out of 100, Strong$60.4M12.9%0.44%vs
McDowell Cornerstone Credit UnionCredit union Marion, NC70 out of 100, Strong$38.3M17.7%2.53%vs

Deposit insurance

Is my money safe at Telco Credit Union?

Yes. Telco Credit Union is a federally insured credit union (NCUA charter #66319). 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 6.8% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.54%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Telco Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Telco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66319
RSSD ID
331991
Primary regulator
State + NCUA
Established
1941
Headquarters
Po Box 4002, Tarboro, NC 27886
Employees
17

Quick answers

Telco Credit Union: common questions

Is Telco Credit Union NCUA insured?

Yes. Telco Credit Union is a federally insured credit union (NCUA charter #66319). 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 Telco Credit Union's TellerScore?

35 out of 100 (Low), 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 Telco Credit Union have?

2 offices as of the latest NCUA data.