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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,448 of 4,374 health · 2025Q4True Community · health 82/100 · $932.7M · 2025Q4
- RANK 82/100
- PHOTO 11.3%
- BOOK 1.73%
- CHARTER 0.34%
- NCUSIF $932.7M
- CAMELS 81,647
- HEALTH #2,448/4,374
- NW First City
- DELQ 68718
Call Report peers
True Community in the assets neighbourhood
True Community's $932.7M assets sit next to First City ($937.4M) 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.
True Community 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
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
True Community - Share Insurance Coverage
Charter #68718's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for True Community
True Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $932.7M (2025Q4) to $953.2M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.30% → 11.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for True Community - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($932.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 True Community financially healthy?
True Community has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,448 of 4,374; by total assets it ranks #491 of 4,374 nationally (same basis as /rankings/largest); and #28 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.31% and delinquency rate of 1.73%.
How does True Community compare to other credit unions?
True Community scores 82/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like True Community 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. True Community's net worth ratio of 11.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does True Community offer compared to banks?
Credit unions like True Community 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 True Community 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.