TELCOE

Charter #24202 | AR

100M-500M (1077 CUs) Micro
4 100M-500M in AR

TELCOE has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 16.3% in tier
  • + Relationship Depth Leader: Top 30.8% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Members Per Employee (MPE): Top 0.6% in tier
  • + Total Assets: Top 1.0% in tier
  • + Net Charge-Off Rate: Top 2.4% in tier
  • + Total Deposits: Top 2.6% in tier
  • + Net Worth Ratio: Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 0.5% in tier
  • - Growth-at-Risk: Bottom 11.2% in tier
  • - Credit Quality Pressure: Bottom 15.3% in tier
  • - Stagnation Risk: Bottom 29.6% in tier
  • - Membership Headwinds: Bottom 32.3% in tier
  • - ROA 0.34% below tier average
  • - Net Interest Margin (NIM): Bottom 0.4% in tier
  • - Loan-to-Share Ratio: Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Members 22,435
-0.6% YoY+0.4% QoQ
 +6.8K 15,628
-3.4% YoY
 7,762
+8.3% YoY
 33,089
+6.1% YoY
 Top 18.2% in tier
Assets $489.3M
+3.9% YoY+0.9% QoQ
 +$258.0M $231.3M
-0.0% YoY
 $104.3M
+13.0% YoY
 $547.7M
+7.8% YoY
 Top 1.1% in tier
Loans $149.5M
+7.8% YoY+1.7% QoQ
 +$1.7M $147.8M
-1.4% YoY
 $74.9M
+12.6% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $411.3M
+3.5% YoY-0.2% QoQ
 +$211.0M $200.3M
-0.0% YoY
 $86.6M
+15.8% YoY
 $464.6M
+9.3% YoY
 Top 2.7% in tier
ROA 0.4%
+465.4% YoY+30.7% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.2%
-67.2% YoY
 0.7%
+273.4% YoY
 28th in tier
NIM 1.2%
+64.6% YoY+11.0% QoQ
 -2.4% 3.6%
+6.9% YoY
 4.4%
+6.8% YoY
 3.7%
+5.0% YoY
 Bottom 0.3% in tier
Efficiency Ratio 71.7%
-23.0% YoY-6.7% QoQ
 -5.6% 77.3%
-3.0% YoY
 83.8%
+0.9% YoY
 79.1%
-3.3% YoY
 30th in tier
Delinquency Rate 0.3%
+256.6% YoY+138.7% QoQ
 -0.6 0.9%
+7.6% YoY
 1.5%
-12.0% YoY
 1.2%
-0.9% YoY
 Bottom 15.1% in tier
Loan To Share 36.3%
+4.2% YoY+1.9% QoQ
 -36.4% 72.7%
-1.5% YoY
 73.4%
-3.7% YoY
 68.0%
-1.7% YoY
 Bottom 3.1% in tier
AMR $24,997
+5.3% YoY-0.0% QoQ
 +$633 $24,363
+2.9% YoY
 $12,695
+3.6% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 29.5%
-1.5% YoY+1.1% QoQ
 +5.1% 24.4%
+4.2% YoY
 16.2%
+8.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.6%
-19.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#449 of 1006 • Top 16.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#850 of 1006 • Top 30.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $814.61
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk
#8 of 552 • Bottom 0.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 20.22%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 36.34%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Growth-at-Risk

risk
#168 of 446 • Bottom 11.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 7.85%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.18% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#379 of 736 • Bottom 15.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.18% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Stagnation Risk

risk
#488 of 550 • Bottom 29.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.45%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $25.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 29.49%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#533 of 550 • Bottom 32.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.62%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
8
Members Per Employee (MPE)
engagement
Value: 723.710
Peer Avg: 332.881
#8 of 1077 Top 0.6% in 100M-500M tier
12
Total Assets
balance_sheet
Value: $489.34M
Peer Avg: $231.30M
#12 of 1077 Top 1.0% in 100M-500M tier
27
Net Charge-Off Rate
risk
Value: 0.01%
Peer Avg: 0.47%
#27 of 1077 Top 2.4% in 100M-500M tier
29
Total Deposits
balance_sheet
Value: $411.32M
Peer Avg: $200.29M
#29 of 1077 Top 2.6% in 100M-500M tier
30
Net Worth Ratio
risk
Value: 20.22%
Peer Avg: 12.15%
#30 of 1077 Top 2.7% in 100M-500M tier
164
Total Delinquency Rate (60+ days)
risk
Value: 0.25%
Peer Avg: 0.86%
#164 of 1077 Top 15.1% in 100M-500M tier
196
Total Members
engagement
Value: 22,435
Peer Avg: 15,628
#196 of 1077 Top 18.1% in 100M-500M tier
250
Loan Growth Rate
growth
Value: 7.85%
Peer Avg: 3.45%
#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1074
Net Interest Margin (NIM)
profitability
Value: 1.18%
Peer Avg: 3.58%
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1044
Loan-to-Share Ratio
balance_sheet
Value: 36.34%
Peer Avg: 72.70%
#1044 of 1077 Bottom 3.2% in 100M-500M tier
945
First Mortgage Concentration (%)
balance_sheet
Value: 51.67%
Peer Avg: 30.43%
#945 of 1077 Bottom 12.3% in 100M-500M tier
937
Fee Income Per Member
profitability
Value: $95.29
Peer Avg: $174.31
#937 of 1077 Bottom 13.1% in 100M-500M tier
870
Loan-to-Member Ratio (LMR)
engagement
Value: $6,663
Peer Avg: $10,245
#870 of 1077 Bottom 19.3% in 100M-500M tier