TellerScore

Tlc Community Credit Union (NCUA charter #60509) is based in Adrian, Michigan. Its Q2 2026 call report shows $950.2M in total assets and $746.7M in member shares and deposits and 9 offices.

Based on its Q2 2026 filing, Tlc Community Credit Union scores 90/100, which we describe as very strong. That is higher than 95% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 11th. Its strongest component is funding & liquidity (100/100; 60% loans-to-deposits, 6% uninsured), and its lowest is earnings (66/100; 1.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.48%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.14%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity100/100
Loans ÷ shares: 60.5% · 6.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.46%

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 (88 → 90), mostly because the earnings component improved by 6 points.

TellerScore
879194Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202493
Q4 202493
Q1 202589
Q2 202588
Q3 202589
Q4 202590
Q1 202687
Q2 202690
Net worth ratio
7.00%11.36%15.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.72%
Q3 202415.40%
Q4 202415.58%
Q1 202515.02%
Q2 202514.06%
Q3 202514.39%
Q4 202514.36%
Q1 202614.28%
Q2 202614.48%
Delinquent loans (60+ days)
0.02%0.09%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.09%
Q4 20240.15%
Q1 20250.04%
Q2 20250.11%
Q3 20250.16%
Q4 20250.13%
Q1 20260.10%
Q2 20260.14%
Return on assets
0.61%0.93%1.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.26%
Q3 20241.24%
Q4 20241.24%
Q1 20250.61%
Q2 20251.00%
Q3 20251.09%
Q4 20251.10%
Q1 20260.77%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$950.2M14.48%0.14%1.15%60.5%
Q1 202687$938.0M14.28%0.10%0.77%58.8%
Q4 202590$919.9M14.36%0.13%1.10%59.2%
Q3 202589$899.8M14.39%0.16%1.09%59.6%
Q2 202588$901.0M14.06%0.11%1.00%54.5%
Q1 202589$821.6M15.02%0.04%0.61%53.9%
Q4 202493$784.2M15.58%0.15%1.24%55.6%
Q3 202493$777.4M15.40%0.09%1.24%54.4%
Q2 202494$745.6M15.72%0.02%1.26%53.6%

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 ratio14.48%
82nd
Problem loans0.14%
93rd
Net charge-offs0.13%
81st
Return on assets1.15%
75th
Loans to deposits60.5%
77th
Uninsured deposits6.3%
46th
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
True Community Credit UnionCredit union Jackson, MI63 out of 100, Moderate$955.0M11.6%1.59%vs
Alpena-Alcona Area Credit UnionCredit union Alpena, MI77 out of 100, Strong$975.7M12.2%0.85%vs
Members First Credit UnionCredit union Midland, MI63 out of 100, Moderate$905.4M9.2%0.65%vs
Arbor Financial Credit UnionCredit union Kalamazoo, MI55 out of 100, Moderate$899.0M10.6%1.81%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs

Deposit insurance

Is my money safe at Tlc Community Credit Union?

Yes. Tlc Community Credit Union is a federally insured credit union (NCUA charter #60509). 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 6.3% of shares and deposits ($47.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Tlc Community Credit Union lists 9 offices in 7 cities. Most locations:

  • Adrian, MI (3)
  • Blissfield, MI (1)
  • Brooklyn, MI (1)
  • Clinton, MI (1)
  • Dundee, MI (1)
  • Lambertville, MI (1)
  • Tecumseh, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tlc Community Credit Union reported 753 home-loan applications under HMDA (LEI 549300KGMIRA554NW480): 586 originated ($67,280,000 total), 132 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.5%, 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
Tlc Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60509
RSSD ID
548799
Primary regulator
State + NCUA
Established
1956
Headquarters
PO Box 927, Adrian, MI 49221
Employees
145

Quick answers

Tlc Community Credit Union: common questions

Is Tlc Community Credit Union NCUA insured?

Yes. Tlc Community Credit Union is a federally insured credit union (NCUA charter #60509). 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 Tlc Community Credit Union's TellerScore?

90 out of 100 (Very 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 Tlc Community Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Adrian

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
First Federal Savings and Loan AssociationBank Delta, OH93 out of 100, Very strong$246.0M16.5%0.00%vs
Lenco Credit UnionCredit union Adrian, MI82 out of 100, Strong$145.0M12.1%0.21%vs
Bank of Ann ArborBank Ann Arbor, MI82 out of 100, Strong$3.5B13.2%0.27%vs
Monroe Community Credit UnionCredit union Monroe, MI80 out of 100, Strong$406.4M11.4%0.20%vs
Aeroquip Credit UnionCredit union Jackson, MI78 out of 100, Strong$51.6M15.8%0.62%vs