Truliant Federal Credit Union
Total assets
$5.45B
▲ +5.5% YoY
Shares & deposits
$4.75B
▲ +2.3% YoY
Loans
$4.44B
▲ +4.2% YoY
Members
333,731
▼ -1.1% YoY
ROA (annualized)
1.52%
peers 0.71%
ROE (annualized)
14.84%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Share growth (YoY) | +2.3% | +4.9% | -2.5 pts |
| Loan growth (YoY) | +4.3% | +5.4% | -1.2 pts |
| ROA | 1.52% | 0.71% | +0.8 pts |
| ROE | 14.8% | 6.3% | +8.6 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 26000, Winston Salem, NC, 27114
- NCUA charter #
- 7840
- RSSD ID
- 446185
- 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 | $5.45B | $4.75B | $4.44B | $558.4M | $20.7M | 1.52% | 4.18% | 0.82% | 333,731 |
| Q4 2025 | $5.40B | $4.70B | $4.41B | $537.7M | $91.2M | 1.69% | 4.16% | 0.95% | 334,169 |
| Q3 2025 | $5.21B | $4.52B | $4.41B | $494.1M | $40.9M | 1.05% | 4.26% | 0.85% | 334,571 |
| Q2 2025 | $5.15B | $4.60B | $4.39B | $478.4M | $25.3M | 0.98% | 4.23% | 0.87% | 336,824 |
| Q1 2025 | $5.16B | $4.64B | $4.26B | $463.7M | $10.6M | 0.82% | 4.09% | 0.81% | 337,374 |
| Q4 2024 | $5.22B | $4.52B | $4.23B | $453.1M | $23.1M | 0.44% | 4.01% | 1.00% | 340,656 |
| Q3 2024 | $5.22B | $4.47B | $4.27B | $463.6M | $26.8M | 0.68% | 3.96% | 0.92% | 344,463 |
| Q2 2024 | $5.33B | $4.60B | $4.27B | $455.5M | $18.7M | 0.70% | 3.83% | 0.91% | 354,712 |
Loan mix (Q1 2026): real estate $1.65B · commercial $1.13B · consumer $1.59B · securities $346.4M
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 | 1.52% | 0.71% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 6.3% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.32% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 73.0% | 6th | |
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.
Similar credit unions
- Coastal Federal Credit UnionRaleigh, NC · $6.21B
- Chevron Federal Credit UnionConcord, CA · $5.44B
- California Federal Credit UnionGlendale, CA · $5.41B
- Educational Employees Credit UnionFresno, CA · $5.38B
- American Heritage Federal Credit UnionPhiladelphia, PA · $5.32B
- State Farm Federal Credit UnionBloomington, IL · $5.62B
Selling to Truliant Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.