State credit union · Macclenny, Florida · NCUA charter #68691
Tru Fi
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $135.9M
- Total assets
- 7,963
- Members
- 12.5%
- Net-worth ratio
Tru Fi scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $135.9M; members 7,963; net-worth ratio 12.47%; health rank #176 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#176 of 4,374 health · 2025Q4Tru Fi · health 97/100 · $135.9M · 2025Q4
Call Report peers
Tru Fi in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tru Fi vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tru Fi sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Tru Fi vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.79 pp (0.10% vs 0.89%).
Florida standing for Tru Fi
- Florida health ordinal: #11 of 109.
- Assets rank #64 of 109 inside Florida ($135.9M reported).
- Florida membership ordinal: #71 of 109.
- One place up in Florida, Dade County (#10) ties at 97/100; one place down, PENAIR (#12) ties at 97/100.
Quarter path for Tru Fi
Tru Fi: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $135.9M (2025Q4) to $142.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (12.72% → 12.47%).
This credit union's 12.47% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Tru Fi gives up 3 points in total. Member Growth costs the most, 2.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.6 pts
Tru Fi health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.47% | +0.36 pp |
| Delinquency Rate | 0.10% | -0.79 pp |
| Return on Assets | 1.03% | +0.41 pp |
| Member Growth | 2.81% | - |
| Loan-to-Share Ratio | 72.44% | +0.24 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Tru Fi
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $142.8M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Tru Fi, spread across 3 cities.
| Office | City |
|---|---|
| Macclenny Branch (Main Office) | Macclenny, FL |
| Baldwin Branch | Baldwin, FL |
| Callahan Branch | Callahan, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Cross-state Call Report peers for Tru Fi
Using this data
- Tru Fi ranks #176 of 4,374 nationally on financial health and #11 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Florida West Coast is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Florida West Coast
Frequently Asked Questions
Is Tru Fi financially healthy?
Tru Fi has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #176 of 4,374 nationally on health and #11 of 109 in Florida. Its net worth ratio is 12.47% and its delinquency rate 0.10%.
How does Tru Fi compare to other credit unions?
Tru Fi scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.10% vs 0.89%).
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?
Tru Fi is a state-chartered 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 Fi's net worth ratio of 12.47% 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.