Trunorthern Federal Credit Union
Total assets
$110.7M
▲ +12.4% YoY
Shares & deposits
$100.4M
▲ +12.0% YoY
Loans
$66.8M
▲ +24.9% YoY
Members
5,873
▲ +4.6% YoY
ROA (annualized)
0.65%
peers 0.69%
ROE (annualized)
5.60%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +3.9% | +8.5 pts |
| Share growth (YoY) | +12.0% | +3.3% | +8.7 pts |
| Loan growth (YoY) | +24.9% | +2.9% | +22.0 pts |
| ROA | 0.65% | 0.69% | -0.0 pts |
| ROE | 5.6% | 5.9% | -0.3 pts |
ROA ranks in the 47th percentile of its peer group · Q1 2026
Profile
- Established
- 1972
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 494 E Main St, Malone, NY, 12953
- NCUA charter #
- 21026
- RSSD ID
- 762689
- 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 | $110.7M | $100.4M | $66.8M | $12.9M | $180K | 0.65% | 3.87% | 0.34% | 5,873 |
| Q4 2025 | $106.2M | $95.9M | $64.4M | $12.7M | $747K | 0.70% | 3.88% | 0.81% | 5,810 |
| Q3 2025 | $106.7M | $96.5M | $64.9M | $12.5M | $516K | 0.64% | 3.74% | 0.42% | 5,770 |
| Q2 2025 | $101.1M | $91.6M | $53.6M | $12.3M | $396K | 0.78% | 3.87% | 0.61% | 5,688 |
| Q1 2025 | $98.5M | $89.6M | $53.5M | $12.1M | $155K | 0.63% | 3.92% | 0.58% | 5,616 |
| Q4 2024 | $94.2M | $86.1M | $46.2M | $11.9M | $720K | 0.76% | 3.78% | 0.68% | 5,596 |
| Q3 2024 | $96.0M | $85.9M | $46.9M | $11.7M | $500K | 0.69% | 3.61% | 0.79% | 5,604 |
| Q2 2024 | $91.5M | $83.6M | $45.0M | $11.5M | $315K | 0.69% | 3.69% | 0.67% | 5,591 |
Loan mix (Q1 2026): real estate $34.3M · commercial $918K · consumer $21.6M · securities $29.0M
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 | 0.65% | 0.69% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 5.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.62% | 67th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.1% | 78.7% | 75th | |
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
- Hudson River Community Federal Credit UnionCorinth, NY · $364.8M
- Ocean Financial Federal Credit UnionOceanside, NY · $401.5M
- Ukrainian Federal Credit UnionRochester, NY · $422.8M
- High Point Federal Credit UnionOlean, NY · $433.8M
- Suma Federal Credit UnionYonkers, NY · $460.9M
- Advantage Federal Credit UnionRochester, NY · $481.7M
Selling to Trunorthern Federal Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.