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
- CAMELS 97/100
- HEALTH 12.5%
- NW 0.10%
- DELQ 1.03%
- ROA $135.9M
- ASSETS 7,963
- MEM #176/4,374
- RANK Workmen's Circle Incorporated
- PHOTO 68691
Call Report peers
Tru Fi in the assets neighbourhood
Tru Fi's $135.9M assets sit next to Workmen's Circle Incorporated ($135.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
97 Top 5% higher than 95% 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
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 vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.79 pp (0.10% vs 0.89%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Tru Fi
Tru Fi: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $135.9M (2025Q4) to $142.8M (2026Q1).
- Net-worth ratio shifted -0.25 pp (12.72% → 12.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for Tru Fi, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($135.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Tru Fi financially healthy?
A 12.47% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #176 of 4,374; by total assets it ranks #1,569 of 4,374 nationally (same basis as /rankings/largest); and #64 of 109 within Florida. 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 12.47% 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.
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.