| Metric | Tru Fi Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.1% | +5.0 pts |
| Share growth (YoY) | +8.6% | +3.5% | +5.0 pts |
| Loan growth (YoY) | +5.2% | +2.9% | +2.4 pts |
| ROA | 1.71% | 0.74% | +1.0 pts |
| ROE | 13.5% | 6.5% | +7.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.4M | $127.3M | $86.2M | $18.4M | $1.2M | 1.71% | 4.02% | 0.60% | 8,118 |
| Q1 2026 | $142.8M | $123.8M | $86.1M | $17.8M | $606K | 1.70% | 4.03% | 0.11% | 8,031 |
| Q4 2025 | $135.9M | $119.4M | $86.5M | $17.3M | $2.5M | 1.86% | 4.03% | 0.10% | 7,963 |
| Q3 2025 | $135.5M | $117.5M | $85.3M | $16.7M | $1.9M | 1.85% | 4.00% | 0.07% | 7,882 |
| Q2 2025 | $134.1M | $117.3M | $81.9M | $15.9M | $1.1M | 1.65% | 3.91% | 0.07% | 7,882 |
| Q1 2025 | $132.8M | $117.2M | $83.1M | $15.3M | $481K | 1.45% | 3.77% | 0.08% | 7,807 |
| Q4 2024 | $128.5M | $114.1M | $79.5M | $14.9M | $1.4M | 1.09% | 3.95% | 0.19% | 7,745 |
| Q3 2024 | $126.2M | $112.6M | $77.0M | $14.5M | $1.1M | 1.16% | 3.92% |
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 0.74% | 93rd | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 6.5% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.24% |
| 7,666 |
| Q2 2024 | $125.3M | $112.0M | $75.2M | $13.9M | $603K | 0.96% | 3.91% | 0.20% | 7,616 |
Loan mix (Q2 2026): real estate $32.1M · commercial $8.3M · consumer $33.3M · securities $41.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 77.5% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Tru Fi Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: Duval, FL, ranked 37th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Duval, FL | 1 | $42.4M* | 0.03% | 37th |
| Nassau, FL | 1 | $42.4M* | 1.54% | 15th |
| Baker, FL | 1 | $42.4M* | 8.76% | 5th |
Florida: 221st with 0.01% · Jacksonville metro: 34th, 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3