TPLC vs USCL: Grades, Fees and Holdings Compared

Timothy Plan US Large/Mid Cap Core ETF

TPLCCNYSE Arca

iShares Climate Conscious & Transition MSCI USA ETF

USCLANasdaq

Overlap

16.1%by weight

Expense ratio

USCL −0.44pt a year

TPLC0.52%USCL0.08%

Avg volume · 30D

TPLC 1.4×the volume

TPLC17.8KUSCL13.1K

3Y return · a year

USCL +5.1pt

TPLC+16.4%USCL+21.5%

TPLC vs USCL Performance

Oct 31, 2025 – Oct 30, 2026

+12.7%TPLC+7.3%USCL

Expense ratio: TPLC 0.52%; USCL 0.08%, better
Fund size: TPLC $315M; USCL $2.77B
1Y total return: TPLC +12.7%, better; USCL +7.3%
Yield (12M): TPLC 0.81%; USCL 1.06%, better
Holdings: TPLC 316; USCL 394
Avg volume (30D): TPLC 17.8K sh, better; USCL 13.1K sh
NAV per share: TPLC $50.88; USCL $85.14
52W range

ETF.net Grade

Pillar letters and Scores for TPLC, USCL, with each pillar’s weight
Pillar	TPLC	USCL
Cost30% weight	F12	A99Higher
Mission25% weight	A73	Not scored
Risk15% weight	B59Higher	C52
Tradability15% weight	D36	A70Higher
Holdings10% weight	A81Higher	D36
Durability5% weight	C52	A70Higher

Rank among US ESG & Values Index funds

How we build Categories ›

Same Category. TPLC and USCL are both graded against the same 47 US ESG & Values Index funds, so their Grades compare head to head.

US ESG & Values Index⁠

Category · 47 funds

See all 47 ›

USCL ranks 8th and TPLC 36th of 47 funds in the US ESG & Values Index Category.

Rank 8AEVUSiShares ESG Aware MSCI USA Value ETFScore 73
Rank 8AUSCLiShares Climate Conscious & Transition MSCI USA ETFScore 73
Rank 10AESGVVanguard ESG U.S. Stock ETFScore 72
Rank 36CHLALWahed FTSE USA Shariah ETFScore 46
Rank 36CTPLCTimothy Plan US Large/Mid Cap Core ETFScore 46
Rank 38CBIBLInspire 100 ETFScore 45

Our read on each fund

ETF.net Research

TPLCCTimothy Plan US Large/Mid Cap Core ETF

USCLAiShares Climate Conscious & Transition MSCI USA ETF

In short

TPLC Biblically screened US large and mid caps with a twist: the index weights by volatility rather than company size, so the mega-caps don't automatically run the show. Passive since 2019, and it pays monthly.

USCL Most ESG index funds work by exclusion. USCL scores roughly 400 US large and mid caps on where they're heading instead: emissions intensity, reduction targets, green revenue. And it charges 0.08% a year to do it.

Stated mandate

TPLC The Fund seeks to track the performance of the Victory US Large/Mid Cap Volatility Weighted BRI Index before fees and expenses. It normally invests at least 80% of net assets in securities included in that index.

USCL The Fund seeks to track an index of U.S. large- and mid-capitalization companies selected for their relative positioning on the transition to a low-carbon economy, using climate-related measures such as emissions intensity, reduction targets, green-business revenue, and climate-risk management.

Why people hold it

TPLC The faith screen lives inside the index, not in a manager's head: the fund tracks the Victory US Large/Mid Cap Volatility Weighted BRI Index and normally keeps at least 80% of net assets in its members.
Volatility weighting breaks the cap-weighted default, so the portfolio isn't simply a bet on whichever US companies happen to be largest.
A rules-based US equity portfolio with a live track record back to 2019, and it distributes monthly, a cadence most stock funds skip.

USCL At 0.08% a year, it matches the cheapest fund in its ESG cohort (XVV) and undercuts ESGV, SNPE, EFIV and ESGU.ishares.com
The index doesn't just screen out offenders. It selects on transition evidence: emissions intensity, reduction targets, green-business revenue, climate-risk management.ishares.com
About 400 US large and mid caps, so it reads as core equity exposure with a climate tilt, not a narrow clean-energy sector bet.
A multi-billion-dollar iShares fund that sticks tightly to the MSCI USA Extended Climate Action Index, one of the cleaner implementations in its peer group.

Worth knowing

TPLC At 0.52% a year, it costs more than plain US core trackers such as ILCB (0.03%) and GUSA (0.10%). The screen and the weighting scheme are what the extra buys.
It trades thinly next to the household-name core funds, so spreads can be wider and how you place an order matters more.
Screening out whole industries and stepping away from size weighting means results can diverge from the broad US market in either direction.

USCL Trading is thin for a fund this size, so spreads can widen. Limit orders are the standard tool here.
Climate scoring reshapes the sector and name mix, so results can diverge from a plain US large-cap index in either direction.
Launched in 2023, so its history is short next to the older ESG funds it competes with.

Full TPLC profile⁠

Full USCL profile⁠

TPLC vs USCL Holdings

How TPLC and USCL differ

Overlap by weight

16.1%

Shared holdings make up 58.3% of TPLC and 21.4% of USCL.

Level by level

Holdings179 in both16.1%
Sector11 Sectors63.8%
Countryby domicile94.2%
Asset classEquity100%

Sector

Sector weights in TPLC and USCL, widest gap first
Sector	More in TPLCMore in USCL	TPLC	USCL
Technology	USCL +22.5 points	19.3%	41.8%
Industrials	TPLC +15.1 points	21.9%	6.8%
Communication	USCL +10.4 points	0.1%	10.5%
Utilities	TPLC +8.5 points	10.1%	1.6%
Energy	TPLC +5.8 points	7.9%	2.1%
Materials	TPLC +4.1 points	5.7%	1.6%
Financials	TPLC +2.3 points	11.9%	9.6%
Real Estate	USCL +1.5 points	0.2%	1.7%
Consumer Discretionary	USCL +1.3 points	8.4%	9.7%
Consumer Staples	USCL +0.6 points	3.6%	4.2%
Health Care	TPLC +0.3 points	10.9%	10.6%

Country, concentration and asset class

Country by domicile

Country weights in TPLC and USCL, widest gap first
Country	More in TPLCMore in USCL	TPLC	USCL
United States	USCL +5.4 points	93.9%	99.3%
Ireland	TPLC +2.6 points	2.6%	0.0%
Bermuda	TPLC +1.5 points	1.5%	0.0%
Switzerland	TPLC +1.0 points	1.2%	0.2%
United Kingdom	TPLC +0.5 points	0.5%	0.0%
Other countries (6)	USCL +0.1 points	0.3%	0.3%

Concentration

Weight in the 10 largest Holdings

TPLC6.5%
USCL44.8%

Securities held

TPLC315
USCL391

Asset class

TPLC: Equity
USCL: Equity

Holdings

Only in TPLC136
In both179
Only in USCL212

Only in TPLC

136 securities, 41.5% of TPLC by weight

Atmos Energy Corp0.70%
Loews Corp0.63%
Centerpoint Energy Inc.0.62%
Cms Energy Corp.0.61%
Ppl Corp.0.57%
New Linde PLC0.56%
Markel Group Inc0.55%
Chubb Limited0.54%
Everest Group Ltd0.53%
Cincinnati Financial Corp0.52%
Entergy Corp.0.51%
Kinder Morgan Inc0.51%
Snap-On Inc.0.51%
General Dynamics Corp.0.50%
Globe Life Inc0.48%
East West Bancorp Inc.0.46%
Assurant Inc.0.46%
Dt Midstream Inc0.46%
Reinsurance Group of Ame0.45%
Avery Dennison Corp.0.45%
Medtronic PLC0.45%
Renaissancere Holdings Lt0.45%
Quest Diagnostics Inc.0.44%
Ball Corp.0.44%
Reliance Inc0.43%
Allegion PLC0.43%
Textron Inc.0.42%
Sei Investments Co0.42%
Steris PLC0.41%
First Citizens Bcshs -Cl0.41%
Teledyne Technologies0.41%
Roper Technologies Inc0.41%
Pinnacle Financial Partne0.40%
Viper Energy Inc0.40%
Darden Restaurants Inc.0.40%
Targa Resources Corp0.40%
Cheniere Energy Inc0.38%
Penske Auto Group Inc0.38%
Clean Harbors Inc0.38%
Rollins Inc0.38%
Jm Smucker Co0.37%
Eqt Corp.0.37%
Aramark0.36%
Msci Inc.0.36%
Lincoln Electric Holdings0.35%
Nvr Inc0.35%
Exelixis Inc0.35%
Franklin Templeton Inc0.34%
Us Foods Holding Corp0.34%
Pultegroup Inc.0.34%

Only in USCL

212 securities, 78.5% of USCL by weight

Apple9.51%
NVIDIA8.84%
Microsoft6.92%
Amazon.com Inc4.37%
Alphabet Class A3.08%
Meta Platforms Class A2.54%
Alphabet Class C2.44%
Tesla Inc2.15%
Eli Lilly2.13%
Advanced Micro Devices1.55%
Visa Class A1.29%
JPMorgan Chase & Co1.26%
Johnson & Johnson1.24%
Walmart1.02%
AbbVie0.98%
Mastercard Class A0.97%
Cisco Systems Inc0.77%
Exxonmobil Holdings Corp0.73%
Procter & Gamble0.71%
UnitedHealth Group0.69%
Merck & Co Inc0.69%
Coca-Cola0.68%
Thermo Fisher Scientific0.49%
Netflix0.49%
Micron Technology0.47%
Bank of America0.46%
Linde PLC0.45%
Ge Aerospace0.44%
Applied Material Inc0.44%
Lam Research0.42%
Chevron0.41%
Gilead Sciences0.40%
Goldman Sachs Group0.37%
Pepsico0.35%
Verizon Communications Inc0.35%
Mcdonalds Corp0.35%
Salesforce0.34%
Pfizer0.33%
Qualcomm0.33%
Oracle0.32%
American Express0.32%
BlackRock0.32%
Welltower0.31%
Morgan Stanley0.31%
Accenture PLC Class A0.30%
AT&T0.28%
Charles Schwab0.27%
Intel Corporation0.27%
Walt Disney0.27%
Eaton PLC0.27%

Weight gaps

The 100 widest of 179 Holdings in both funds.

Holding weights in TPLC and USCL, widest gap first
Holding	More in TPLCMore in USCL	TPLC	USCL
Broadcom IncAVGO	USCL +2.56 points	0.21%	2.77%
Wec Energy GroupWEC	TPLC +0.64 points	0.68%	0.04%
Evergy IncEVRG	TPLC +0.62 points	0.64%	0.02%
Alliant Energy Corp.LNT	TPLC +0.61 points	0.64%	0.03%
Palantir Technologies IncPLTR	USCL +0.60 points	0.15%	0.75%
Duke Energy Corp.DUK	TPLC +0.58 points	0.67%	0.09%
Nisource Inc.NI	TPLC +0.57 points	0.61%	0.04%
Consolidated Edison Inc.ED	TPLC +0.57 points	0.65%	0.08%
Dte Energy Co.DTE	TPLC +0.55 points	0.59%	0.04%
Ameren Corp.AEE	TPLC +0.55 points	0.61%	0.06%
Southern CoSO	TPLC +0.52 points	0.62%	0.10%
Aflac IncAFL	TPLC +0.51 points	0.62%	0.11%
American Electric Power CAEP	TPLC +0.50 points	0.57%	0.07%
Public Service EnterprisePEG	TPLC +0.50 points	0.57%	0.07%
Wr Berkley Corp.WRB	TPLC +0.50 points	0.51%	0.01%
Republic Services Inc.RSG	TPLC +0.49 points	0.58%	0.09%
Arch Capital Group LtdACGL	TPLC +0.47 points	0.52%	0.05%
American Water Works Co.AWK	TPLC +0.47 points	0.52%	0.05%
Hartford Insurance GroupHIG	TPLC +0.47 points	0.52%	0.05%
Exelon Corp.EXC	TPLC +0.46 points	0.55%	0.09%
KeycorpKEY	TPLC +0.45 points	0.46%	<0.01%
Eversource EnergyES	TPLC +0.45 points	0.50%	0.05%
Otis Worldwide CorpOTIS	TPLC +0.44 points	0.49%	0.05%
Veralto CorpVLTO	TPLC +0.43 points	0.48%	0.05%
Regions Financial Corp.RF	TPLC +0.43 points	0.44%	0.01%
Principal Finl Group IncPFG	TPLC +0.43 points	0.45%	0.02%
Idex CorpIEX	TPLC +0.42 points	0.45%	0.03%
Illinois Tool Works IncITW	TPLC +0.41 points	0.48%	0.07%
Prudential Financial IncPRU	TPLC +0.40 points	0.44%	0.04%
Ww Grainger Inc.GWW	TPLC +0.38 points	0.44%	0.06%
Kimberly-Clark CorpKMB	TPLC +0.38 points	0.45%	0.07%
Palo Alto Networks IncPANW	USCL +0.38 points	0.18%	0.56%
Metlife IncMET	TPLC +0.38 points	0.43%	0.05%
Fortive CorpFTV	TPLC +0.38 points	0.41%	0.03%
Waste Management Inc.WM	TPLC +0.37 points	0.55%	0.18%
Dover CorpDOV	TPLC +0.37 points	0.42%	0.05%
Citizens Financial GroupCFG	TPLC +0.37 points	0.38%	0.01%
Packaging Corp of AmericaPKG	TPLC +0.37 points	0.40%	0.03%
Ferguson Enterprises IncFERG	TPLC +0.35 points	0.37%	0.02%
Ametek Inc.AME	TPLC +0.33 points	0.41%	0.08%
Motorola Solutions Inc.MSI	TPLC +0.33 points	0.41%	0.08%
Archer-Daniels-Midland CoADM	TPLC +0.33 points	0.35%	0.02%
Expand Energy CorpEXE	TPLC +0.33 points	0.35%	0.02%
Edwards LifesciencesEW	TPLC +0.32 points	0.42%	0.10%
Tradeweb Markets IncTW	TPLC +0.32 points	0.35%	0.03%
Fastenal CoFAST	TPLC +0.33 points	0.41%	0.08%
Vulcan Materials Co.VMC	TPLC +0.31 points	0.38%	0.07%
Martin Marietta MaterialsMLM	TPLC +0.31 points	0.37%	0.06%
Corteva IncCTVA	TPLC +0.31 points	0.32%	0.01%
Williams Cos Inc.WMB	TPLC +0.31 points	0.44%	0.13%
Ross Stores Inc.ROST	TPLC +0.31 points	0.38%	0.07%
Oreilly Automotive Inc.ORLY	TPLC +0.31 points	0.38%	0.07%
West Pharm Services Inc.WST	TPLC +0.31 points	0.35%	0.04%
Cintas Corp.CTAS	TPLC +0.31 points	0.45%	0.14%
Transdigm Group IncTDG	TPLC +0.30 points	0.36%	0.06%
Csx Corp.CSX	TPLC +0.30 points	0.48%	0.18%
Ppg Industries Inc.PPG	TPLC +0.30 points	0.35%	0.05%
Wabtec CorpWAB	TPLC +0.30 points	0.37%	0.07%
Mccormick Co Inc.MKC	TPLC +0.30 points	0.32%	0.02%
Nasdaq IncNDAQ	TPLC +0.30 points	0.39%	0.09%
Masco Corp.MAS	TPLC +0.29 points	0.31%	0.02%
Rtx CorpRTX	TPLC +0.29 points	0.42%	0.13%
Halliburton Co.HAL	TPLC +0.29 points	0.35%	0.06%
Fedex Corp.FDX	TPLC +0.29 points	0.36%	0.07%
Lowes Cos IncLOW	TPLC +0.29 points	0.40%	0.11%
Xylem Inc.XYL	TPLC +0.29 points	0.33%	0.04%
Amcor PLCAMCR	TPLC +0.29 points	0.33%	0.04%
Idexx Laboratories IncIDXX	TPLC +0.29 points	0.37%	0.08%
Expeditors Intl of WashEXPD	TPLC +0.28 points	0.33%	0.05%
Eog Resources IncEOG	TPLC +0.29 points	0.37%	0.08%
Ge Healthcare TechnologieGEHC	TPLC +0.28 points	0.33%	0.05%
Bunge Global SABG	TPLC +0.28 points	0.30%	0.02%
Fidelity National InfoFIS	TPLC +0.27 points	0.31%	0.04%
Diamondback Energy IncFANG	TPLC +0.27 points	0.33%	0.06%
Paccar Inc.PCAR	TPLC +0.27 points	0.35%	0.08%
Paychex Inc.PAYX	TPLC +0.27 points	0.34%	0.07%
Tractor Supply CoTSCO	TPLC +0.27 points	0.29%	0.02%
Williams-Sonoma IncWSM	TPLC +0.26 points	0.32%	0.06%
Equifax Inc.EFX	TPLC +0.27 points	0.31%	0.04%
Arthur J Gallagher Co.AJG	TPLC +0.26 points	0.36%	0.10%
Kla CorpKLAC	USCL +0.27 points	0.12%	0.39%
Mettler-Toledo InternatioMTD	TPLC +0.27 points	0.33%	0.06%
Nucor Corp.NUE	TPLC +0.26 points	0.35%	0.09%
J.b. Hunt Transport ServJBHT	TPLC +0.26 points	0.27%	<0.01%
Progressive Corp.PGR	TPLC +0.26 points	0.39%	0.13%
Omnicom Group Inc.OMC	TPLC +0.25 points	0.28%	0.03%
Verisk Analytics IncVRSK	TPLC +0.25 points	0.30%	0.05%
Intl Flavors FragranceIFF	TPLC +0.25 points	0.29%	0.04%
Dexcom IncDXCM	TPLC +0.25 points	0.26%	0.01%
Ingersoll-Rand IncIR	TPLC +0.24 points	0.30%	0.06%
Global Payments Inc.GPN	TPLC +0.24 points	0.27%	0.03%
Stryker Corp.SYK	TPLC +0.24 points	0.33%	0.09%
Intercontinental ExchangeICE	TPLC +0.24 points	0.42%	0.18%
Steel Dynamics IncSTLD	TPLC +0.24 points	0.29%	0.05%
Dollar Tree Inc.DLTR	TPLC +0.24 points	0.27%	0.03%
Hubbell IncHUBB	TPLC +0.23 points	0.27%	0.04%
3M Co.MMM	TPLC +0.23 points	0.40%	0.17%
Marvell Technology IncMRVL	USCL +0.24 points	0.08%	0.32%
Cboe Global Markets IncCBOE	TPLC +0.23 points	0.30%	0.07%
Garmin LtdGRMN	TPLC +0.23 points	0.29%	0.06%

All TPLC holdings⁠All 391 USCL holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

TPLC vs USCL Cost

Overpaying TPLC vs USCL

$8,662

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

TPLC 0.52%
$10,351
USCL 0.08%
$1,689

Amount$10,000

Years30 years

Cost over time

TPLC 0.52%
USCL 0.08%
Overpaying

Year by year

Year	TPLC	USCL	Overpaying
10	$935	$147	$788
20	$3,593	$575	$3,018
30	$10,351	$1,689	$8,662

Expense ratio

0.52%TPLC
0.08%USCL, cheaper

USCL0.08%TPLC0.52%

0.08%0.95%

Middle half of US ESG & Values Index funds
Median 0.25%

USCL cheapest of 47 funds

TPLC 41st cheapest of 47 funds

TPLC vs USCL Dividends

Last 12 months to Oct 30, 2026

Yield (12M): TPLC 0.81%; USCL 1.06%, better
Payout (12M): TPLC $0.41; USCL $0.91
Last payment: TPLC $0.03; USCL $0.20
Ex-dividend: TPLC Oct 8, 2026; USCL Sep 15, 2026
Paid on: TPLC Oct 9, 2026; USCL Sep 18, 2026
Frequency: TPLC Monthly; USCL Quarterly

Distribution history

Per share, 2023 to 2026, same scale for both

TPLCMonthly · 46 paymentsAll TPLC payments⁠

USCLQuarterly · 13 paymentsAll USCL payments⁠

TPLC vs USCL Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: TPLC 13.2%USCL 12.5%, better
Return per unit of riskSharpe ratio, 3 years: TPLC 0.89USCL 1.28, better
Worst fallMax drawdown, 5 years: TPLC −21.6%USCL −19.0%since Jun 2023
Market sensitivityBeta, 5 years: TPLC 0.82USCL 1.01; Market = 1

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