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Letter portraitLegal landscapeQuarterYTD

Telco Community Credit Union

Candler, NC · Charter 63545

NCUA · 13 branches

Q2 2026

$429.3MAssets
$224.9MLoans
$371.1MShares
$53.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.39%, up 22 bps year over year; NIM at 3.38%.
  • Asset quality: problem loans at 1.23% of loans (+9 bps YoY).
  • Capital: net worth / assets of 12.43%, up 115 bps from a year ago.
  • Funding: loans stand at 60.60% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.39%+22 bps YoY

Net Interest Margin (quarter, annualized)

3.38%+15 bps YoY

Efficiency Ratio (quarter, annualized)

69.45%-214 bps YoY

Net Worth / Assets

12.43%+115 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%1.17%1.18%1.17%1.12%1.61%1.59%1.39%+22 bps
Return on Equity11.31%10.59%10.79%10.37%9.76%13.30%12.95%11.16%+79 bps
Net Interest Margin3.10%3.02%3.11%3.23%3.28%3.33%3.36%3.38%+15 bps
Efficiency Ratio69.89%71.13%71.22%71.59%72.62%65.32%67.70%69.45%-214 bps
Growth
Asset Growth (YoY)4.03%7.35%10.50%8.84%8.73%4.70%3.15%4.52%-432 bps
Loan Growth (YoY)1.70%-1.80%1.24%1.62%4.44%6.22%2.05%2.32%+70 bps
Share Growth (YoY)6.46%10.98%11.10%9.31%8.11%3.46%1.54%2.91%-640 bps
Asset Quality
Delinquent Loans / Loans1.03%1.29%0.89%1.14%0.97%1.21%0.90%1.23%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.36%11.07%10.97%11.28%11.47%12.13%12.26%12.43%+115 bps
Net Worth / Assets11.36%11.07%10.97%11.28%11.47%12.13%12.26%12.43%+115 bps
Liquidity & Funding
Loans / Shares64.48%60.78%60.19%60.95%62.29%62.40%60.49%60.60%-35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps