Financial Metrics Comparison
| Metric | FLORIDA WEST COAST | TRU FI |
|---|---|---|
| Health Score 0–100, higher is better | 90 | 90 |
| Total Assets | $138.2M | $135.9M |
| Members | 11,179 | 7,963 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 12.15% | 12.06% |
| Delinquency Rate Lower = fewer past-due loans | 0.32% | 0.10% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 60.36% | 72.44% |
| Member Growth Year-over-year membership change | 3.4% | 2.8% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | FLORIDA WEST COAST | TRU FI |
|---|---|---|
| Location | BRANDON, FL | Macclenny, FL |
| Charter Type | State | State |
| Field of Membership | Other | Other |
| Peer Group | $100M–$500M | $100M–$500M |
| Charter Number | 67337 | 68691 |
What This Comparison Says About FLORIDA WEST COAST vs TRU FI
FLORIDA WEST COAST (BRANDON, FL) and TRU FI (Macclenny, FL) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. FLORIDA WEST COAST holds $138.2M in assets across 11,179 members, while TRU FI holds $135.9M across 7,963 members. Both institutions post health scores of 90/100 and 90/100, a narrow spread that suggests similar overall financial profiles despite differences in size. Charter numbers 67337 and 68691 indicate entirely separate NCUA supervisory records; they operate under peer groups $100M–$500M and $100M–$500M respectively.
Capital adequacy is the first check: FLORIDA WEST COAST's net worth ratio of 12.15% clears the NCUA's 7.0% "well capitalized" bar, while TRU FI posts 12.06%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 0.32% for FLORIDA WEST COAST and 0.10% for TRU FI; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 60.36% and 72.44% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: FLORIDA WEST COAST is currently defined as "Other" and TRU FI as "Other", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." FLORIDA WEST COAST shows 12.15% vs TRU FI at 12.06%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. FLORIDA WEST COAST: 0.32% — TRU FI: 0.10%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.