# TELCO COMMUNITY CREDIT UNION
Candler, NC · NCUA charter 63545 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/telco-community-credit-union-63545

Who the members are: state charter, organized 1935, low-income designated. 34,980 members of 1,627,806 potential (2.1% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $424.5M |
| Members | 34,980 (0.2% YoY) |
| Full-time staff | 69 |
| Net worth | $52.1M |
| Net worth ratio | 12.3% (p64 of band) |
| ROA (annualized) | 1.59% (p93 of band) |
| Total delinquency | 0.90% (p73 of band) |
| Net charge-offs (annualized) | 0.10% (p15 of band) |
| Loans / shares | 60% (p22 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p36 of band) |
| Operating expense / assets | 3.33% (p36 of band) |
| Vehicles % of loans | 37% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 64% (p45 of band) |
| Vehicle delinquency | 1.38% (p86 of band) |
| Vehicle NCO | 0.33% (p30 of band) |
| Repossessed % of vehicle book | 0.20% (p85 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 29% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 24% |
| Average share balance | $5,243 |
| Participations bought / yr | $2.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $22.2M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $17,852 |
| Loans granted, annualized | $55.7M |

## Participation posture (from the same filings)

Bought $2.7M and sold $0 in the latest annualized quarter; $22.2M outstanding purchased (42.7% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | repo signal |  |
| 2016-06 | 1 | thin capital | repo signal |
| 2016-09 | 1 | repo signal | thin capital |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | repo signal |
| 2017-06 | 1 | repo signal |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | repo signal |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | delinquency 2x band |  |
| 2021-09 | 3 | thin capital | delinquency 2x band |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 | delinquency 2x band | net worth falling |
| 2022-09 | 1 |  | delinquency 2x band |
| 2022-12 | 1 | repo signal | thin capital |
| 2023-03 | 2 | delinquency 2x band, delinquency rising | repo signal |
| 2023-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 1 | 3rd-party paper>100% NW |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | 3rd-party paper>100% NW |
| 2024-09 | 1 | repo signal |  |
| 2024-12 | 1 | delinquency rising | repo signal |
| 2025-03 | 2 | net worth falling, repo signal | delinquency rising |
| 2025-06 | 0 |  | net worth falling, repo signal |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-11 [Telco Community Credit Union recognized by Forbes - The Mountaineer](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPekFaeHAzN18zQVZ1RWViUWFlWEhGVlVQUzFzSG5ianhUV2YwejZfcTF3NWlaWVVTUHJkdHlyZ2ltMWZuWEJGMVJqeTZaZUxkbnhFY09vakNhTUhpOGpCUVplTWNYWWRpY1BrZTVvSkhrUU56UTVEaHpoSkpWa1pRWnpVWU1jaV9sSEo0NjhpTVg0Umt1azZJcGgxUExreURNVWl1b1VxRnU0ZnJQblRrQXllVHhtQmVSRGdBRE5PVzBheWtFWmJ4ZUpoQnUxelU3?oc=5) · The Mountaineer
- 2026-04-14 [WATCH: Two-car crash sends vehicles into Telco Community Credit Union building - WLOS](https://news.google.com/rss/articles/CBMinAJBVV95cUxQTDN6Rk1Sd20wQk9XMVdmRk1Ec0dhSFZ6Y1Iyem1EeUxyMmxCRUU5WkdxVm1CazhXSTNYWlJ0YzU5WnJ0aTJiZUM0UGRFZHFRWndUd0daRXNwMFdIcW9kYThyNGowcUVDQVNxZWFjSi1SZURucm9WajZ3M1NpX2c0aVh1UkpqQlhTckI4T3FsdGFUMzV2djRsbUNRcm9oWUNmOGt5S19CbS1IblpmckhDZTY2NVY4dE1ZaU1fa01yY0o0UnpIc056NTVPSWxPNzhSSjFFNFZDaUNrNmNVNEZfdE85Ny1pTDk3dmhIRHZUeWNCckNyYlc2Slc0dHQ1LVVHcEFVTTlsaGRIa2VQM2hQZDVYdFRtMTRULWxZOQ?oc=5) · WLOS
- 2026-04-14 [Two-car crash sends vehicles into Telco Community Credit Union building - WLOS](https://news.google.com/rss/articles/CBMipwJBVV95cUxOSnRMdEtnd1BzcERDNG5tSll6TGRnOUFOS245XzVIbWlCMjIzcDA0dWg4S0k0a1hpaHBHd091aHpZOGZUM0doLTlibk9menAyam9BVHFLck10cUpveldmQmdZbUxYQ2Y4azVLaDQ2N09EU1oxbG9XLXNoN2JoZEhNc0x6d3dRZlRua21lVk9zaVhqWTBYdTRZd21fLWZzR2ZXNEZPR0sxOTZ4STlYdFRrQnVtU0NTZkdQa2dKQktad0ZBd3EtcEpIejZuRmtobXEwaTlpZ1NybkZtRW1IU0FUd1BxdE5MaU40YnVBSWl2R2pPYkFzS1Z6TFZlOXFOZmRVT2w1NjNyUW91VHA0clA0aGJEdGNPaVFJcmZZU3NscHo4Q1E3c1Vj?oc=5) · WLOS
- 2021-12-06 [Telco Community Credit Union Opens Branch In Brevard - The Transylvania Times](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNbFdDdWtfUmVBai0yTXVPNWNoX0dUOWkwcnU3aXRHLXZ2NFQ3ZU9BZEhjUXYwdjVRRHdyM2tUaFFFWm1XSXhWWVAwMGxBNzNtY3lBNEoyM2FrTVV4UzNCUzVFcVpDYmNyZEUtQ1lad1NjTlZJNVA5RjJRVlR5cjV2RngyOEZrNHpvQVRUbHhseEdndExWNDRRM0VxaXRES2kyWENTQ2lDOVNjTi0tdEk0LUx6VVJ5aXpxWnVHS2lsb25XYjVVdXhoTkJncjJtZkpMSzFHa3FoM21RQ2dPVnc?oc=5) · The Transylvania Times
- 2017-01-20 [3 convicted in Asheville robberies - The Asheville Citizen Times](https://news.google.com/rss/articles/CBMisAFBVV95cUxNdk83b3VjZFF6RGg2aTZJOHJmc0lGR0pRZUZESW5JYzA3SXM1RFd0bktuRTdxckpKbG1SOU9QVkxCcmJJZUswdGtOblhYSFVaZkZpMmI1NGs1UXRxTWtMZ01zcHhGU3V4SmhmVzFEUGhLYUFvZWcyeVFBSmZZaHZtVWdxbHMzQkV0QnNGV2hhWjYxeE1DRnRIdnQzWnNmenBHQWJZVTBsV0NYZTFGOTVobg?oc=5) · The Asheville Citizen Times
- 2023-05-24 [Telco Community Credit Union buys iconic BB&T building in downtown Waynesville - WLOS](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNd0RaQUE2ZFlSOWJ1MVJiWlpNMmxpT3FpYjgwU2hORzNDYktfWEVicmpXaTU4dXM0bjFZSllYY3B2a0tRY1ZWd1BUQ2tmNC1wYVFjdDRPV240R01zMXp2U2o0MXJSOTNubzcwSjJmaGhVNVBfMlBKTE05MzJwSE5tTU5HRDg4ekllVU1kNERTai1Ua09LUDd4WDYxM3FEWExQWXlUbzhoMjA?oc=5) · WLOS
- 2026-04-15 [Taxes are due April 15. How to avoid penalties, request an extension - WLOS](https://news.google.com/rss/articles/CBMiwwJBVV95cUxQVW1fcURvNzhqZmFUaWxaVVpNM2F1U2lsd0lNRks4R1BCaVlZaEduZUh2aUNHS3pjUE1aRGI5ZG5Nd2I4QUdLel9Ud1VSTGw5MUhNRzZhaUR1TXhxTmpYRG1hRHNNUXFjbGh3OU5WVEZWMVJvZnZCRThPSzc4Y0VKbi12MXplTUxWVU9KV1RVODl3SWNoYm96RFZ4SEp1YjFJbWJ0clA3cmFLekhCN1YyQ0pfUUpCQ0NtMkpCdVhUb2p2ZldyTHZNbm1rOV9wUE5WQjFyakYyUkRwbENOSDdIakF3MDBKUkRSU3BndERPNlZLOWd5S0NCLUxselJVX0t1SmhacklLS2lILTg2ODF4UFA2ODk4TF9TU3lDT3ZlREhQa21IRVY5N1k3eHBnQmFkbDVpWnA5eFZaVHRtdmt5UTZ3bw?oc=5) · WLOS
- 2023-01-05 [Design a logo for Tuscola High and you could win $500 - WLOS](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQNGlzX0xGcXFBLXNuOE5RTG4tZ1QzbzQ1ZTVKRXFYM1pLOXk4VUJISU5lazRVb1pxa3lyc1I3VzFXQkZ0dDZkbkZ0VHZVT2VncUxsV2ZSbjBscEFQSm0xeXVlM0ZMcE9PX3BaTVY4em5KZkhVZDBfM2Vib1ZMUEtIUWlXSWh4Z05taGNOZDZVRmx3dUJ4MjIyUEE5T2FhRTk1V0tMdWVoZ2RxeHJiVjVqazZQcjRjT3hYcUxjaTdacGlFWGhXVzN4TVJVV0JTWTg5Wjg2eTJVTG9KZnNnekQ3ZE0tdExwZ3NNdmFlM1lTNlNKRUk?oc=5) · WLOS

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63545 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "63545", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63545
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide