Federal credit union · PORTLAND, Maine · NCUA charter #10100
Truchoice
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $248.5M
- Total assets
- 12,581
- Members
- 10.3%
- Net-worth ratio
Truchoice - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10100. See our deposit-insurance coverage note.
Truchoice - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)50
- Earnings (ROA)100
- Member growth50
- Liquidity (loan-to-share)90
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.25% | 30% |
| Delinquency Rate | 2.00% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | -0.86% | 15% |
| Loan-to-Share Ratio | 93.35% | 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 | $248.5M | 12,581 |
| 2024Q4 | $241.9M | 12,690 |
| 2023Q4 | $225.7M | 12,716 |
Credit Union Details
- Charter Number
- 10100
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Maine
- City
- PORTLAND
- Data Quarter
- 2025Q4
What This Data Says About Truchoice
12,581 members and $248.5M in total assets sit behind Truchoice, a federal credit union in PORTLAND, Maine, which posts a health score of 78/100 (Very Good) on the five-factor composite, with $208.5M in outstanding loans as of Q4 2025 and a net worth ratio of 10.25% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #10100 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 93.35% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 2.00% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.94% on net income of $2.3M 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 -0.86%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Maine
A look at other Maine credit unions, ranked by how closely their peer group and asset size match this one.
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 Truchoice financially healthy?
Yes/no aside, the number is 78/100 (Very Good) - Truchoice's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.25% net worth ratio and 2.00% delinquency rate are the key drivers.
How does Truchoice compare to other credit unions?
On PlainCU's health composite, Truchoice lands at 78/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Truchoice?
Truchoice 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 Truchoice directly for the exact boundaries and application steps.
Is my money safe at Truchoice?
Federal credit unions like Truchoice 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. Truchoice's net worth ratio of 10.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Truchoice offer compared to banks?
Credit unions like Truchoice 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 Truchoice 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.