BlastPoint's Credit Union Scorecard
TELCO COMMUNITY CREDIT UNION
Charter #63545 · NC
TELCO COMMUNITY CREDIT UNION has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Total Members: Top 3.4% in tier
- + Total Assets: Top 6.8% in tier
- + Total Deposits: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.35% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in North Carolina.
- Shares and deposits +2.9% year over year ($371M in shares and deposits).
- Membership: 34,952 members, -0.6% vs a year ago.
- Delinquency rate 1.23%.
- Return on assets 1.39%.
- Efficiency ratio 69.45% vs a 76.73% peer average.
- Loan-to-share ratio 60.60% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,952
-0.6% YoY-0.1% QoQ
|
+19.8K |
15,168
-2.6% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 3.5% in tier |
| Assets |
$429.3M
+4.5% YoY+1.1% QoQ
|
+$197.3M |
$232.0M
+0.7% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Top 6.9% in tier |
| Loans |
$224.9M
+2.3% YoY+0.8% QoQ
|
+$78.6M |
$146.3M
+0.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$371.1M
+2.9% YoY+0.7% QoQ
|
+$170.4M |
$200.7M
+0.2% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Top 7.1% in tier |
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| ROA |
1.4%
+19.4% YoY-12.2% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.4%
+5.4% YoY+1.3% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
69.5%
-3.0% YoY+2.6% QoQ
|
-7.3% |
76.7%
-0.8% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
1.2%
+7.8% YoY+36.7% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
60.6%
-0.6% YoY+0.2% QoQ
|
-10.9% |
71.5%
-0.3% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$17,051
+3.3% YoY+0.8% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
24.3%
+9.4% YoY+0.7% QoQ
|
-0.2% | 24.6% | 21.4% | 20.0% | 50% |
| Indirect Auto % |
10.9%
-29.4% YoY-7.2% QoQ
|
-2.8% | 13.6% | 4.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)