Credit union · NCUA insured
Telco Triad Community Credit Union
Top CarrotA $163.2M credit union headquartered in Sioux City, IA, with 16,018 members and 6 branches in Iowa. Best rates: CDs 3.75% and savings 1.25% APY.
Telco Triad Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 86% of U.S. banks and credit unions
#1 of 10 in Sioux City, IA-NE-SD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Telco Triad Community Credit Union
Providing financial services since 1945, Telco Triad Community Credit Union originated as Sioux City District Telco Credit Union and adopted its current core name following a 1983 merger with Health Triad Credit Union.
The member-owned cooperative operates six branch locations across Northwest Iowa in Sioux City, Spencer, and Denison, serving members across more than 30 counties in Iowa, Nebraska, and South Dakota.
- Headquarters
- 3098 Floyd Blvd, Sioux City, IA 51108
- NCUA charter
- 63218
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives or works in specified counties in Iowa, Nebraska, or South Dakota is eligible for membership.
Family and household
- Immediate family members and household members of current members (or such relatives of deceased members) are eligible for membership regardless of residence.
Branches
6 branches in Iowa
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Iowa
6 branches
Sioux City area · 4
- Main OfficeMain office3098 Floyd Blvd, Sioux City, IA 51108Directions
- Morningside Branch2550 Glenn Ave, Sioux City, IA 51106Directions
- Riverside Branch5500 Military Rd, Sioux City, IA 51109Directions
- W 7th Branch818 W 7th St, Sioux City, IA 51103Directions
Denison area · 1
- Denison Office1404 Broadway, Denison, IA 51442Directions
Spencer area · 1
- Spencer Branch24 W 4th St, Spencer, IA 51301Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.21% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.45% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.78% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio12.21%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.45%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.78%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Telco Triad Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.