Federal credit union · NEWARK, Ohio · NCUA charter #4024
TRUECORE
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $247.4M
- Total assets
- 16,585
- Members
- 9.1%
- Net-worth ratio
TRUECORE scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $247.4M; members 16,585; net-worth ratio 9.14%; health rank #1,163 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,163 of 4,374 health · 2025Q4TRUECORE · health 90/100 · $247.4M · 2025Q4
Call Report peers
TRUECORE in the assets neighbourhood
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TRUECORE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRUECORE sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for TRUECORE
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.32 pp (0.58% vs 0.89%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.66 pp (65.54% vs 72.20%).
Where TRUECORE sits in Ohio
- Health composite ranks #49 of 196 among scored Ohio credit unions.
- Ohio assets place: #39 of 196.
- Membership ranks #42 of 196 among Ohio CUs with a reported count (16,585 members).
- One place up in Ohio, Greater Wayne Community (#48) ties at 90/100; one place down, BREWSTER (#50) scores 89/100, 1 point lower.
Quarter path for TRUECORE
TRUECORE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $247.4M (2025Q4) to $253.8M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.24% → 9.14%).
9.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
TRUECORE gives up 10 points in total. Member Growth costs the most, 5.7 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 27.8 pts
- Delinquency Rate 24.2 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 13.7 pts
TRUECORE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.14% | -2.97 pp |
| Delinquency Rate | 0.58% | -0.32 pp |
| Return on Assets | 0.54% | -0.08 pp |
| Member Growth | 0.22% | - |
| Loan-to-Share Ratio | 65.54% | -6.66 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TRUECORE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $253.8M | - |
| 2025Q4 | $247.4M | 16,585 |
| 2024Q4 | $229.1M | 16,549 |
| 2023Q4 | $228.2M | 16,593 |
Credit Union Details
- Charter Number
- 4024
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- NEWARK
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, TRUECORE runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| TrueCore Federal Credit Union (Main Office) | newark, OH |
| TrueCore Federal Credit Union | heath, OH |
| TrueCore Federal Credit Union | newark, OH |
| TrueCore Federal Credit Union | Pataskala, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- TRUECORE ranks #1,163 of 4,374 nationally on financial health and #49 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BRIDGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BRIDGE
Frequently Asked Questions
Is TRUECORE financially healthy?
On its 2025Q4 NCUA 5300 filing, TRUECORE scores 90/100 (Excellent), with a 9.14% net worth ratio and 0.58% of loans delinquent. It ranks #1,163 of 4,374 nationally on health and #49 of 196 in Ohio.
How does TRUECORE compare to other credit unions?
TRUECORE scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.58% vs 0.89%). Its widest shortfall is loan-to-share ratio (65.54% vs 72.20%).
How can I join TRUECORE?
TRUECORE 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 TRUECORE directly for the exact boundaries and application steps.
Is my money safe at TRUECORE?
TRUECORE is a federal 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. TRUECORE's net worth ratio of 9.14% 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.