TLCU Financial


Overview / Commentary
574-255-3193
1816 N Main St
Mishawaka, IN 46545

TLCU Financial is headquartered in Mishawaka and is the 67th largest credit union in the state of Indiana. It is also the 2,492nd largest credit union in the nation. It was established in 1953 and as of December of 2021, it had grown to 13 employees and 4,038 members at 2 locations. TLCU Financial has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Marshall, La Grange, or St. Joseph Counties in Indiana. Membership is also open to employees of Electro Transfer System, Community Hospital, Dometic Corporation and other select employer groups in Mishawaka, Topeka, and Bremen, Indiana.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. TLCU Financial has a relatively low asset base.

Health Grade Components

Overall
NCUA #68286
Year Chartered1953
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD5.55%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$51.7MM$45.5MM
LoansQ4 2021vs Q4 2020$17.8MM$14.1MM
DepositsQ4 2021vs Q4 2020$44.3MM$38.6MM
Equity CapitalQ4 2021vs Q4 2020$7.0MM$6.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$29.00K$36.00K
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$35.00K$24.00K
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

TLCU Financial Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$30k*-IRA Account
OTHER TIERS: 0.20% $500 - $10k | 0.25% $10k - $20k | 0.40% $20k - $30k
0.20%--Christmas Club Account
0.20%*$25k*-Funds Manager Account
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $25k
0.10%$101-Regular Savings Account
0.10%$101-Special Savings Account
0.10%$101-Escrow Saving Account

TLCU Financial CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$1k-36 Month CD
0.30%$1k-24 Month CD
0.20%$1k-12 Month CD

TLCU Financial IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$1k-36 Month IRA
0.30%$1k-24 Month IRA
0.20%$1k-12 Month IRA
Locations


TLCU Financial Locations
Branch Office1816 N Main StMishawaka, IN 46545-5616
Branch Office1122 W Plymouth StBremen, IN 46506-1842

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