TellerScore

Headquartered in Springfield, Missouri, Telcomm Credit Union is a federally insured state-chartered credit union with $337.9M in total assets and $286.3M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1940.

Telcomm Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 24th. Problem-loan coverage contributes the most (96/100, 2.2%); earnings contributes the least (41/100, 0.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.18%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.25%
Earnings41/100
Return on assets (annualized): 0.54%
Funding & liquidity75/100
Loans ÷ shares: 85.6% · 2.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.18%

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 rose 2 points (75 → 77), mostly because the earnings component improved by 7 points.

TellerScore
757779Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202478
Q1 202575
Q2 202575
Q3 202576
Q4 202576
Q1 202676
Q2 202677
Net worth ratio
7.00%10.38%13.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.73%
Q3 202413.43%
Q4 202413.75%
Q1 202513.29%
Q2 202513.46%
Q3 202513.40%
Q4 202513.48%
Q1 202613.31%
Q2 202613.18%
Delinquent loans (60+ days)
0.25%0.34%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.34%
Q4 20240.43%
Q1 20250.34%
Q2 20250.42%
Q3 20250.36%
Q4 20250.40%
Q1 20260.28%
Q2 20260.25%
Return on assets
0.25%0.45%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.55%
Q4 20240.65%
Q1 20250.25%
Q2 20250.36%
Q3 20250.43%
Q4 20250.41%
Q1 20260.39%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$337.9M13.18%0.25%0.54%85.6%
Q1 202676$330.3M13.31%0.28%0.39%83.8%
Q4 202576$323.8M13.48%0.40%0.41%83.2%
Q3 202576$323.9M13.40%0.36%0.43%81.8%
Q2 202575$319.0M13.46%0.42%0.36%80.4%
Q1 202575$320.3M13.29%0.34%0.25%77.8%
Q4 202478$308.2M13.75%0.43%0.65%81.0%
Q3 202477$310.7M13.43%0.34%0.55%80.3%
Q2 202479$304.8M13.73%0.32%0.64%81.1%

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 ratio13.18%
72nd
Problem loans0.25%
86th
Net charge-offs0.55%
31st
Return on assets0.54%
34th
Loans to deposits85.6%
27th
Uninsured deposits2.2%
89th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Great Plains Federal Credit UnionCredit union Joplin, MO74 out of 100, Strong$318.8M13.0%0.53%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs
Arsenal Credit UnionCredit union Arnold, MO55 out of 100, Moderate$387.5M8.8%1.10%vs
Missouri Electric Cooperatives EmplCredit union Jefferson City, MO82 out of 100, Strong$396.8M11.3%0.13%vs
Alltru Federal Credit UnionCredit union Wentzville, MO41 out of 100, Below average$400.6M9.4%2.38%vs
Blucurrent Credit UnionCredit union Springfield, MO65 out of 100, Moderate$406.1M10.2%0.34%vs

Deposit insurance

Is my money safe at Telcomm Credit Union?

Yes. Telcomm Credit Union is a federally insured credit union (NCUA charter #63116). 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 2.2% of shares and deposits ($6.3M) 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 13.18%, well 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Telcomm Credit Union reported 228 home-loan applications under HMDA (LEI 5493006GUYDBDZG4ZR64): 159 originated ($13,225,000 total), 47 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.8%, 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
Telcomm Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63116
RSSD ID
535191
Primary regulator
State + NCUA
Established
1940
Headquarters
2155 E Sunshine St, Springfield, MO 65804
Employees
88

Quick answers

Telcomm Credit Union: common questions

Is Telcomm Credit Union NCUA insured?

Yes. Telcomm Credit Union is a federally insured credit union (NCUA charter #63116). 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 Telcomm Credit Union's TellerScore?

77 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 Telcomm Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples Community BankBank Greenville, MO83 out of 100, Strong$735.2M18.5%1.23%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Mid-Missouri BankBank Springfield, MO80 out of 100, Strong$946.7M10.8%0.07%vs
Foundation Credit UnionCredit union Springfield, MO79 out of 100, Strong$76.6M14.3%0.33%vs
Multi-States Credit UnionCredit union Springfield, MO78 out of 100, Strong$90.9M12.5%0.36%vs
Arlo BankBank Springfield, MO77 out of 100, Strong$269.1M13.5%0.00%vs