Truity Federal Credit Union
Total assets
$1.30B
▲ +11.2% YoY
Shares & deposits
$1.13B
▲ +9.8% YoY
Loans
$1.07B
▲ +6.1% YoY
Members
75,525
▲ +3.9% YoY
ROA (annualized)
-0.26%
peers 0.71%
ROE (annualized)
-2.95%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.2% | +5.1% | +6.1 pts |
| Share growth (YoY) | +9.8% | +4.9% | +4.9 pts |
| Loan growth (YoY) | +6.1% | +5.4% | +0.6 pts |
| ROA | -0.26% | 0.71% | -1.0 pts |
| ROE | -2.9% | 6.3% | -9.2 pts |
ROA ranks in the 1st percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P.O. Box 1358, Bartlesville, OK, 74005
- NCUA charter #
- 3130
- RSSD ID
- 518774
- 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 | $1.30B | $1.13B | $1.07B | $115.0M | $-847K | -0.26% | 3.80% | 0.68% | 75,525 |
| Q4 2025 | $1.24B | $1.04B | $1.07B | $115.9M | $-335K | -0.03% | 3.83% | 0.82% | 75,118 |
| Q3 2025 | $1.23B | $1.04B | $1.05B | $117.8M | $225K | 0.02% | 3.81% | 0.79% | 74,424 |
| Q2 2025 | $1.19B | $1.02B | $1.04B | $117.2M | $-416K | -0.07% | 3.87% | 0.63% | 73,510 |
| Q1 2025 | $1.17B | $1.03B | $1.01B | $118.0M | $470K | 0.16% | 3.85% | 0.51% | 72,657 |
| Q4 2024 | $1.14B | $999.6M | $975.1M | $117.6M | $2.3M | 0.20% | 3.54% | 0.73% | 72,059 |
| Q3 2024 | $1.11B | $960.8M | $952.7M | $121.1M | $4.5M | 0.54% | 3.59% | 0.68% | 71,782 |
| Q2 2024 | $1.13B | $975.8M | $942.7M | $121.6M | $4.9M | 0.87% | 3.47% | 0.74% | 71,562 |
Loan mix (Q1 2026): real estate $342.8M · commercial $102.3M · consumer $612.3M · securities $30.6M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 0.71% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -2.9% | 6.3% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.32% | 82th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.0% | 73.0% | 86th | |
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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