Truecore Federal Credit Union
Total assets
$253.8M
▲ +5.5% YoY
Shares & deposits
$229.7M
▲ +5.5% YoY
Loans
$145.1M
▲ +5.1% YoY
Members
16,596
▲ +0.2% YoY
ROA (annualized)
0.51%
peers 0.69%
ROE (annualized)
5.53%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +3.9% | +1.6 pts |
| Share growth (YoY) | +5.5% | +3.3% | +2.2 pts |
| Loan growth (YoY) | +5.1% | +2.9% | +2.2 pts |
| ROA | 0.51% | 0.69% | -0.2 pts |
| ROE | 5.5% | 5.9% | -0.4 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 215 Deo Dr, Newark, OH, 43055
- NCUA charter #
- 4024
- RSSD ID
- 448077
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $253.8M | $229.7M | $145.1M | $23.2M | $321K | 0.51% | 3.52% | 0.38% | 16,596 |
| Q4 2025 | $247.4M | $222.6M | $145.9M | $22.9M | $1.5M | 0.60% | 3.45% | 0.58% | 16,585 |
| Q3 2025 | $239.8M | $215.7M | $143.0M | $22.3M | $958K | 0.53% | 3.49% | 0.41% | 16,591 |
| Q2 2025 | $239.9M | $216.5M | $142.0M | $22.0M | $659K | 0.55% | 3.42% | 0.46% | 16,625 |
| Q1 2025 | $240.5M | $217.8M | $138.0M | $21.8M | $315K | 0.52% | 3.32% | 0.35% | 16,559 |
| Q4 2024 | $229.1M | $207.4M | $135.7M | $21.5M | $1.3M | 0.59% | 3.45% | 0.38% | 16,549 |
| Q3 2024 | $227.5M | $205.1M | $134.9M | $21.0M | $875K | 0.51% | 3.49% | 0.25% | 16,622 |
| Q2 2024 | $227.8M | $210.4M | $132.8M | $20.8M | $628K | 0.55% | 3.49% | 0.25% | 16,635 |
Loan mix (Q1 2026): real estate $79.3M · commercial $22.5M · consumer $40.1M · securities $57.4M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.51% | 0.69% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.62% | 45th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 78.7% | 78th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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