TellerScore

Telco Triad Community Credit Union is a federally insured state-chartered credit union headquartered in Sioux City, Iowa, in business for about 81 years. At the end of Q2 2026 it reported $160.5M in total assets and $140.5M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, Telco Triad Community Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 66 credit unions headquartered in Iowa, it ranks 36th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is earnings (51/100; 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.21%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity75/100
Loans ÷ shares: 85.5% · 2.8% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.78%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 74).

TellerScore
697479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202473
Q4 202477
Q1 202572
Q2 202574
Q3 202576
Q4 202579
Q1 202670
Q2 202674
Net worth ratio
7.00%9.61%12.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.70%
Q3 202410.87%
Q4 202411.33%
Q1 202511.16%
Q2 202511.24%
Q3 202511.63%
Q4 202511.99%
Q1 202611.72%
Q2 202612.21%
Delinquent loans (60+ days)
0.20%0.36%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.52%
Q3 20240.26%
Q4 20240.33%
Q1 20250.31%
Q2 20250.21%
Q3 20250.28%
Q4 20250.20%
Q1 20260.32%
Q2 20260.45%
Return on assets
0.34%0.85%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20241.00%
Q4 20241.37%
Q1 20250.73%
Q2 20250.86%
Q3 20251.12%
Q4 20251.23%
Q1 20260.34%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$160.5M12.21%0.45%0.77%85.5%
Q1 202670$163.2M11.72%0.32%0.34%83.4%
Q4 202579$158.4M11.99%0.20%1.23%86.7%
Q3 202576$158.0M11.63%0.28%1.12%87.3%
Q2 202574$157.6M11.24%0.21%0.86%84.9%
Q1 202572$155.3M11.16%0.31%0.73%83.2%
Q4 202477$150.5M11.33%0.33%1.37%86.5%
Q3 202473$148.1M10.87%0.26%1.00%87.7%
Q2 202469$146.0M10.70%0.52%0.87%89.4%

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 ratio12.21%
60th
Problem loans0.45%
69th
Net charge-offs0.24%
66th
Return on assets0.77%
52nd
Loans to deposits85.5%
27th
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
65th

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Cent Credit UnionCredit union Mason City, IA77 out of 100, Strong$166.0M12.7%0.20%vs
Affinity Credit UnionCredit union Des Moines, IA74 out of 100, Strong$154.3M12.2%0.35%vs
1st Gateway Credit UnionCredit union Camanche, IA80 out of 100, Strong$170.9M14.1%0.35%vs
North Star Community Credit UnionCredit union Cherokee, IA58 out of 100, Moderate$149.4M9.8%0.54%vs
First Federal Credit UnionCredit union Hiawatha, IA43 out of 100, Below average$174.5M7.3%0.88%vs
North Iowa Community Credit UnionCredit union Mason City, IA60 out of 100, Moderate$127.8M9.8%1.00%vs

Deposit insurance

Is my money safe at Telco Triad Community Credit Union?

Yes. Telco Triad Community Credit Union is a federally insured credit union (NCUA charter #63218). 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 2.8% of shares and deposits ($3.9M) 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 12.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Telco Triad Community Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Telco Triad Community Credit Union reported 30 home-loan applications under HMDA (LEI 2549008TF4FG4ON44F19): 23 originated ($1,785,000 total), 3 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.1%, 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 Triad Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63218
RSSD ID
610995
Primary regulator
State + NCUA
Established
1945
Headquarters
3098 Floyd Blvd, Sioux City, IA 51108
Employees
50

Quick answers

Telco Triad Community Credit Union: common questions

Is Telco Triad Community Credit Union NCUA insured?

Yes. Telco Triad Community Credit Union is a federally insured credit union (NCUA charter #63218). 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 Triad Community Credit Union's TellerScore?

74 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 Telco Triad Community Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sioux City

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Siouxland BankBank South Sioux City, NE88 out of 100, Very strong$88.3M12.4%0.00%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
The Security National Bank of Sioux City, IowaBank Sioux City, IA81 out of 100, Strong$1.7B12.8%0.26%vs
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs