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Overview / Commentary
1816 N Main St
Mishawaka, IN 46545

TLCU Financial is headquartered in Mishawaka and is the 69th largest credit union in the state of Indiana. It is also the 2,669th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 11 employees and 4,344 members at 2 locations. TLCU Financial has a B+ 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.
See current membership details


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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 low asset base.

Health Grade Components

NCUA #68286
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD2.71%
Annual Interest Income$849.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$35.8MM$35.6MM
LoansQ4 2017vs Q4 2016$11.3MM$11.1MM
DepositsQ4 2017vs Q4 2016$29.9MM$28.9MM
Equity CapitalQ4 2017vs Q4 2016$5.4MM$5.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$42.00K$29.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$94.00K$83.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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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

0.50%*$30k*-IRA Account
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $20k | 0.40% $20k - $30k
0.50%*$30k*-CESA Account
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $20k | 0.40% $20k - $30k
0.30%*$50k*-Funds Manager Account
OTHER TIERS: 0.15% $500 - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.25%--Christmas Club Account
0.10%$100-Regular Savings Account
0.10%$100-Special Savings Account
0.10%$100-Escrow Saving Account

TLCU Financial CD Rates

0.65%$1k-36 Month CD
0.45%$1k-24 Month CD
0.25%$1k-12 Month CD

TLCU Financial IRA Rates

0.65%$1k-36 Month IRA
0.45%$1k-24 Month IRA
0.25%$1k-12 Month IRA

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