State credit union · Jackson, Michigan · NCUA charter #68718
True Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $932.7M
- Total assets
- 81,647
- Members
- 11.3%
- Net-worth ratio
True Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $932.7M; members 81,647; net-worth ratio 11.31%; health rank #2,448 of 4,374; healthier than 43rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,448 of 4,374 health · 2025Q4True Community · health 82/100 · $932.7M · 2025Q4
Call Report peers
True Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
True Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); True Community sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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
Where True Community diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 87.16% vs peer 83.90% (+3.26 pp).
- Largest lag: Delinquency Rate at 1.73% vs peer 0.87% (+0.86 pp).
Where True Community sits in Michigan
- Health composite ranks #125 of 171 among scored Michigan credit unions.
- Michigan assets place: #28 of 171.
- Membership ranks #20 of 171 among Michigan CUs with a reported count (81,647 members).
- One place up in Michigan, Flagship Community (#124) ties at 82/100; one place down, Great Lakes First (#126) ties at 82/100.
Quarter path for True Community
True Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $932.7M (2025Q4) to $953.2M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.30% → 11.31%).
At 11.31%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
True Community gives up 18 points in total. Delinquency Rate costs the most, 10.5 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.5 pts
- Return on Assets 12.6 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 15.2 pts
True Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.31% | +0.13 pp |
| Delinquency Rate | 1.73% | +0.86 pp |
| Return on Assets | 0.34% | -0.17 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 87.16% | +3.26 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $953.2M | - |
| 2025Q4 | $932.7M | 81,647 |
| 2024Q4 | $880.5M | 81,204 |
| 2023Q4 | $703.1M | 66,190 |
Credit Union Details
- Charter Number
- 68718
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Jackson
- Data Quarter
- 2025Q4
Branch Locations (15)
True Community operates 15 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Clinton Road (Main Office) | Jackson, MI |
| Brooklyn | Brooklyn, MI |
| Dearborn | Dearborn, MI |
| Grass Lake | Grass Lake, MI |
| Spring Arbor | Jackson, MI |
| Parnall | Jackson, MI |
| Downtown | Jackson, MI |
| Vandercook Lake | Jackson, MI |
| Livonia | Livonia, MI |
| Mason | Mason, MI |
| Parma | Parma, MI |
| Saline | Saline, MI |
| Westland | WESTLAND, MI |
| Mansfield | Ypsilanti, MI |
| Whittaker | Ypsilanti, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for True Community
Similar total assets
Using this data
- True Community ranks #2,448 of 4,374 nationally on financial health and #125 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alpena-Alcona Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alpena-Alcona Area
Frequently Asked Questions
Is True Community financially healthy?
On its 2025Q4 NCUA 5300 filing, True Community scores 82/100 (Excellent), with a 11.31% net worth ratio and 1.73% of loans delinquent. It ranks #2,448 of 4,374 nationally on health and #125 of 171 in Michigan.
How does True Community compare to other credit unions?
True Community scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.16% vs 83.90%). Its widest shortfall is delinquency rate (1.73% vs 0.87%).
How can I join True Community?
Membership eligibility for True Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact True Community directly for current membership requirements and application steps.
Is my money safe at True Community?
True Community 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. True Community's net worth ratio of 11.31% 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.