State credit union · Macclenny, Florida · NCUA charter #68691
Tru Fi
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $135.9M
- Total assets
- 7,963
- Members
- 12.1%
- Net-worth ratio
Tru Fi - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68691 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Tru Fi - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth83
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.06% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 1.03% | 15% |
| Member Growth | 2.81% | 15% |
| Loan-to-Share Ratio | 72.44% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $135.9M | 7,963 |
| 2024Q4 | $128.5M | 7,745 |
| 2023Q4 | $122.6M | 7,516 |
Credit Union Details
- Charter Number
- 68691
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Macclenny
- Data Quarter
- 2025Q4
What This Data Says About Tru Fi
Charter #68691, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Tru Fi, a state credit union in Macclenny, Florida with 7,963 members, $135.9M in total assets, and $86.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 97/100 (Excellent), helped by a net worth ratio of 12.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.10% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 72.44% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.03% on net income of $1.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.81%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tru Fi financially healthy?
A 12.06% net worth ratio and a 0.10% delinquency rate feed into Tru Fi's financial health score of 97/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tru Fi compare to other credit unions?
PlainCU's health composite puts Tru Fi at 97/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Tru Fi?
Membership eligibility for Tru Fi depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tru Fi directly for current membership requirements and application steps.
Is my money safe at Tru Fi?
Federal credit unions like Tru Fi are 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 Fi's net worth ratio of 12.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tru Fi offer compared to banks?
Credit unions like Tru Fi are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Tru Fi directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.