TellerScore

Total Community Credit Union (NCUA charter #62245) is based in Taylor, Michigan. Its Q2 2026 call report shows $111.3M in total assets and $93.9M in member shares and deposits and 2 offices.

Total Community Credit Union has a TellerScore of 97 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 1st. Capital cushion contributes the most (100/100, 15.29%); loan quality contributes the least (88/100, 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.29%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings100/100
Return on assets (annualized): 2.04%
Funding & liquidity100/100
Loans ÷ shares: 46.4% · 2.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.92%

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 12 points (85 → 97), mostly because the loan quality component improved by 26 points.

TellerScore
798897Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202490
Q4 202484
Q1 202579
Q2 202585
Q3 202587
Q4 202590
Q1 202694
Q2 202697
Net worth ratio
7.00%11.14%15.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.02%
Q3 202413.75%
Q4 202414.04%
Q1 202513.91%
Q2 202514.23%
Q3 202514.69%
Q4 202514.88%
Q1 202614.99%
Q2 202615.29%
Delinquent loans (60+ days)
0.36%0.88%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.95%
Q3 20240.68%
Q4 20241.28%
Q1 20251.41%
Q2 20251.15%
Q3 20251.18%
Q4 20250.74%
Q1 20260.70%
Q2 20260.36%
Return on assets
1.40%1.77%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.05%
Q3 20242.03%
Q4 20241.87%
Q1 20251.40%
Q2 20251.67%
Q3 20251.80%
Q4 20251.66%
Q1 20262.13%
Q2 20262.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$111.3M15.29%0.36%2.04%46.4%
Q1 202694$109.8M14.99%0.70%2.13%46.1%
Q4 202590$106.8M14.88%0.74%1.66%47.6%
Q3 202587$106.0M14.69%1.18%1.80%50.1%
Q2 202585$105.6M14.23%1.15%1.67%51.4%
Q1 202579$104.3M13.91%1.41%1.40%48.5%
Q4 202484$100.8M14.04%1.28%1.87%51.9%
Q3 202490$100.7M13.75%0.68%2.03%53.7%
Q2 202485$102.7M13.02%0.95%2.05%53.2%

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 ratio15.29%
86th
Problem loans0.36%
78th
Net charge-offs0.38%
48th
Return on assets2.04%
97th
Loans to deposits46.4%
93rd
Uninsured deposits2.6%
86th
Loan-loss reserves0.00%
50th
Texas ratio0.9%
90th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Marquette Community Federal Credit UnionCredit union Marquette, MI92 out of 100, Very strong$117.0M14.9%0.85%vs
Great Lakes First Federal Credit UnionCredit union Escanaba, MI66 out of 100, Moderate$105.4M10.3%1.15%vs
Circle Federal Credit UnionCredit union Niles, MI68 out of 100, Moderate$117.4M9.1%0.25%vs
Route 31 Federal Credit UnionCredit union Muskegon, MI79 out of 100, Strong$104.6M13.2%0.41%vs
Compass Credit UnionCredit union Sparta, MI74 out of 100, Strong$101.1M10.8%0.56%vs

Deposit insurance

Is my money safe at Total Community Credit Union?

Yes. Total Community Credit Union is a federally insured credit union (NCUA charter #62245). 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 2.6% of shares and deposits ($2.5M) 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 15.29%, 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

Total Community Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Total Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62245
RSSD ID
897590
Primary regulator
State + NCUA
Established
1960
Headquarters
25155 Goddard Rd, P.O. Box 547, Taylor, MI 48180
Employees
26

Quick answers

Total Community Credit Union: common questions

Is Total Community Credit Union NCUA insured?

Yes. Total Community Credit Union is a federally insured credit union (NCUA charter #62245). 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 Total Community Credit Union's TellerScore?

97 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 Total Community Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Taylor

InstitutionScoreAssetsCapitalProblem loansCompare
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs