Federal credit union · Juneau, Alaska · NCUA charter #5892
True North
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $237.5M
- Total assets
- 13,191
- Members
- 9.9%
- Net-worth ratio
True North - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #5892: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
True North - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)99
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)100
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.91% | 30% |
| Delinquency Rate | 0.80% | 25% |
| Return on Assets | 0.70% | 15% |
| Member Growth | 0.76% | 15% |
| Loan-to-Share Ratio | 83.42% | 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 | $237.5M | 13,191 |
| 2024Q4 | $234.7M | 13,092 |
| 2023Q4 | $220.6M | 12,893 |
Credit Union Details
- Charter Number
- 5892
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Alaska
- City
- Juneau
- Data Quarter
- 2025Q4
What This Data Says About True North
Charter #5892, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's True North, a federal credit union in Juneau, Alaska with 13,191 members, $237.5M in total assets, and $176.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 92/100 (Excellent), helped by a net worth ratio of 9.91% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.80% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 83.42% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.70% on net income of $1.7M 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 0.76%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Alaska
A look at other Alaska 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 True North financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - True North's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.91% net worth ratio and 0.80% delinquency rate are the key drivers.
How does True North compare to other credit unions?
92/100 is True North's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 North?
True North serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact True North directly for the current list of qualifying groups.
Is my money safe at True North?
Federal credit unions like True North 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 North's net worth ratio of 9.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does True North offer compared to banks?
Credit unions like True North 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 North 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.