TellerScore

Telco Plus Credit Union (NCUA charter #66351) is based in Longview, Texas. Its Q2 2026 call report shows $124.3M in total assets and $108.2M in member shares and deposits and 4 offices.

Telco Plus Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 10% of its 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 336th. Loan quality contributes the most (90/100, 0.31%); earnings contributes the least (2/100, -0.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.28%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings2/100
Return on assets (annualized): -0.44%
Funding & liquidity64/100
Loans ÷ shares: 96.6% · 3.2% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.16%

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 rose 6 points (48 → 54), mostly because the problem-loan coverage component improved by 23 points.

TellerScore
374654Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202441
Q4 202441
Q1 202548
Q2 202548
Q3 202537
Q4 202548
Q1 202652
Q2 202654
Net worth ratio
7.00%9.03%11.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.98%
Q3 202411.06%
Q4 202410.97%
Q1 20259.54%
Q2 20259.68%
Q3 20259.46%
Q4 20258.89%
Q1 20268.86%
Q2 20269.28%
Delinquent loans (60+ days)
0.31%1.31%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.83%
Q3 20242.32%
Q4 20242.27%
Q1 20250.86%
Q2 20250.93%
Q3 20251.82%
Q4 20250.60%
Q1 20260.40%
Q2 20260.31%
Return on assets
-2.15%-1.07%0.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.12%
Q3 2024-0.05%
Q4 20240.01%
Q1 2025-2.12%
Q2 2025-1.00%
Q3 2025-1.40%
Q4 2025-2.15%
Q1 2026-1.09%
Q2 2026-0.44%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$124.3M9.28%0.31%-0.44%96.6%
Q1 202652$129.4M8.86%0.40%-1.09%95.6%
Q4 202548$132.8M8.89%0.60%-2.15%100.2%
Q3 202537$139.6M9.46%1.82%-1.40%96.6%
Q2 202548$144.1M9.68%0.93%-1.00%93.8%
Q1 202548$140.3M9.54%0.86%-2.12%93.5%
Q4 202441$135.6M10.97%2.27%0.01%97.9%
Q3 202441$133.8M11.06%2.32%-0.05%98.5%
Q2 202445$134.5M10.98%1.83%-0.12%95.9%

1,341 peers · $100 million – $1 billion

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 ratio9.28%
16th
Problem loans0.31%
82nd
Net charge-offs1.27%
5th
Return on assets-0.44%
2nd
Loans to deposits96.6%
6th
Uninsured deposits3.2%
80th
Loan-loss reserves0.00%
50th
Texas ratio7.2%
25th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Bp Federal Credit UnionCredit union Houston, TX69 out of 100, Moderate$124.4M14.0%0.81%vs
One Source Federal Credit UnionCredit union El Paso, TX63 out of 100, Moderate$124.0M10.3%0.27%vs
Tarrant County'S Credit UnionCredit union Fort Worth, TX53 out of 100, Below average$123.7M9.6%0.80%vs
United Community Credit UnionCredit union Houston, TX69 out of 100, Moderate$127.9M12.0%1.05%vs
Texoma Educators Federal Credit UnionCredit union Sherman, TX87 out of 100, Very strong$128.1M14.8%0.96%vs
Valley Federal Credit UnionCredit union Brownsville, TX73 out of 100, Strong$119.1M12.6%0.46%vs

Deposit insurance

Is my money safe at Telco Plus Credit Union?

Yes. Telco Plus Credit Union is a federally insured credit union (NCUA charter #66351). 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 3.2% of shares and deposits ($3.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.28%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Telco Plus Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Telco Plus Credit Union reported 28 home-loan applications under HMDA (LEI 2549008CUN0J8JKWUL22): 22 originated ($3,930,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 14.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Telco Plus Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66351
RSSD ID
589699
Primary regulator
State + NCUA
Established
1951
Headquarters
Po Box 3099, Longview, TX 75606
Employees
46

Quick answers

Telco Plus Credit Union: common questions

Is Telco Plus Credit Union NCUA insured?

Yes. Telco Plus Credit Union is a federally insured credit union (NCUA charter #66351). 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 Plus Credit Union's TellerScore?

54 out of 100 (Below average), 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 Plus Credit Union have?

4 offices as of the latest NCUA data.