TruStone Financial Credit Union
Total assets
$6.06B
▲ +9.1% YoY
Shares & deposits
$4.60B
▲ +6.0% YoY
Loans
$4.06B
▲ +3.8% YoY
Members
221,057
▲ +1.8% YoY
ROA (annualized)
1.05%
peers 0.71%
ROE (annualized)
9.72%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +5.1% | +4.0 pts |
| Share growth (YoY) | +6.0% | +4.9% | +1.1 pts |
| Loan growth (YoY) | +3.9% | +5.4% | -1.6 pts |
| ROA | 1.05% | 0.71% | +0.3 pts |
| ROE | 9.7% | 6.3% | +3.4 pts |
ROA ranks in the 78th percentile of its peer group · Q1 2026
Profile
- Established
- 1939
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 14601 27Th Ave N, Suite 104, Plymouth, MN, 55447
- NCUA charter #
- 68722
- RSSD ID
- 427399
- 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 | $6.06B | $4.60B | $4.06B | $654.4M | $15.9M | 1.05% | 2.55% | 0.84% | 221,057 |
| Q4 2025 | $5.97B | $4.49B | $4.09B | $638.5M | $56.8M | 0.95% | 2.47% | 0.81% | 220,287 |
| Q3 2025 | $5.67B | $4.38B | $4.11B | $623.3M | $40.5M | 0.95% | 2.55% | 0.82% | 219,656 |
| Q2 2025 | $5.55B | $4.31B | $4.01B | $611.5M | $28.7M | 1.03% | 2.50% | 0.83% | 218,486 |
| Q1 2025 | $5.55B | $4.34B | $3.91B | $595.7M | $12.8M | 0.92% | 2.40% | 0.86% | 217,179 |
| Q4 2024 | $5.42B | $4.23B | $3.92B | $582.9M | $55.9M | 1.03% | 2.32% | 0.93% | 216,356 |
| Q3 2024 | $5.35B | $4.15B | $3.86B | $573.0M | $44.8M | 1.11% | 2.34% | 0.91% | 215,432 |
| Q2 2024 | $5.25B | $4.08B | $3.81B | $559.7M | $31.5M | 1.20% | 2.34% | 0.38% | 214,660 |
Loan mix (Q1 2026): real estate $2.06B · commercial $1.35B · consumer $593.4M · securities $1.30B
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 | 1.05% | 0.71% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 6.3% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.32% | 10th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 73.0% | 11th | |
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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