Federal credit union · Greenwood, South Carolina · NCUA charter #21628
TRU
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $63.9M
- Total assets
- 7,249
- Members
- 11.0%
- Net-worth ratio
TRU scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.9M; members 7,249; net-worth ratio 11.04%; health rank #803 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#803 of 4,374 health · 2025Q4TRU · health 92/100 · $63.9M · 2025Q4
Call Report peers
TRU in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRU vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRU sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TRU
- Loan-to-Share Ratio leads the peer set - 65.85% here, 62.60% peer average (+3.25 pp).
- Net Worth Ratio trails the peer set - 11.04% here, 13.62% peer average (-2.58 pp).
TRU in South Carolina
- Health composite ranks #14 of 46 among scored South Carolina credit unions.
- South Carolina assets place: #28 of 46.
- Membership ranks #24 of 46 among South Carolina CUs with a reported count (7,249 members).
- One place up in South Carolina, SRP (#13) ties at 92/100; one place down, Trinity Baptist Church (#15) scores 91/100, 1 point lower.
Quarter path for TRU
TRU: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $63.9M (2025Q4) to $63.5M (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.87% → 11.04%).
This credit union's 11.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
TRU gives up 8 points in total. Return on Assets costs the most, 4.2 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.8 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 14.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.04% | -2.58 pp |
| Delinquency Rate | 0.34% | -0.62 pp |
| Return on Assets | 0.22% | -0.44 pp |
| Member Growth | 2.59% | - |
| Loan-to-Share Ratio | 65.85% | +3.25 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
TRU quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.5M | - |
| 2025Q4 | $63.9M | 7,249 |
| 2024Q4 | $66.4M | 7,066 |
| 2023Q4 | $65.5M | 7,067 |
Credit Union Details
- Charter Number
- 21628
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- South Carolina
- City
- Greenwood
- Data Quarter
- 2025Q4
Branch Locations (4)
TRU operates 4 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 617 Durst Ave E Greenwood, S.C. 29649-2713 (Main Office) | Greenwood, SC |
| 1632 Main St S Greenwood, S.C. 29646-4123 | Greenwood, SC |
| Main St | Greenwood, SC |
| 4897 W Lake Park Blvd, West Valley City, Utah 84120-8205 | West Valley City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in South Carolina
More federally-insured credit unions based in South Carolina, ordered by peer group match and asset size.
Other-state peers near TRU
Similar total assets
Similar health score
Using this data
- TRU ranks #803 of 4,374 nationally on financial health and #14 of 46 in SC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Neighbors United is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Neighbors United
Frequently Asked Questions
Is TRU financially healthy?
TRU has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #803 of 4,374 nationally on health and #14 of 46 in South Carolina. Its net worth ratio is 11.04% and its delinquency rate 0.34%.
How does TRU compare to other credit unions?
TRU scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (65.85% vs 62.60%). Its widest shortfall is net worth ratio (11.04% vs 13.62%).
How can I join TRU?
TRU operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TRU directly for the exact boundaries and application steps.
Is my money safe at TRU?
TRU is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. TRU's net worth ratio of 11.04% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.