Federal credit union · SPRINGFIELD, Virginia · NCUA charter #3323
TRUENERGY
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $124.7M
- Total assets
- 7,879
- Members
- 12.2%
- Net-worth ratio
TRUENERGY scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $124.7M; members 7,879; net-worth ratio 12.18%; health rank #4,028 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,028 of 4,374 health · 2025Q4TRUENERGY · health 61/100 · $124.7M · 2025Q4
Call Report peers
TRUENERGY in the assets neighbourhood
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TRUENERGY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRUENERGY sits in 60-64 with 179 others.
61 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TRUENERGY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +12.89 pp (85.09% vs 72.20%).
- Widest shortfall vs peers is Return on Assets: -1.80 pp (-1.18% vs 0.62%).
TRUENERGY: in-state Call Report ranks
- In Virginia, health place is #85 of 95 on the same NCUA-ratio sort used nationally.
- Assets rank #44 of 95 inside Virginia ($124.7M reported).
- Virginia membership ordinal: #45 of 95.
- One place up in Virginia, VALLEYSTAR (#84) scores 64/100, 3 points higher; one place down, First Nrv (#86) ties at 61/100.
Quarter path for TRUENERGY
TRUENERGY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $124.7M (2025Q4) to $129.0M (2026Q1).
- Net-worth ratio shifted -0.41 pp (12.59% → 12.18%).
At 12.18%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 61/100 score is built
TRUENERGY gives up 39 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.5 pts
- Return on Assets 0.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 14.6 pts
Call Report ratios for TRUENERGY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.18% | +0.07 pp |
| Delinquency Rate | 2.00% | +1.11 pp |
| Return on Assets | -1.18% | -1.80 pp |
| Member Growth | -2.81% | - |
| Loan-to-Share Ratio | 85.09% | +12.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TRUENERGY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $129.0M | - |
| 2025Q4 | $124.7M | 7,879 |
| 2024Q4 | $126.5M | 8,107 |
| 2023Q4 | $128.3M | 8,463 |
Credit Union Details
- Charter Number
- 3323
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, TRUENERGY runs 2 offices.
| Office | City |
|---|---|
| TruEnergy FCU - Springfield (Main Office) | Springfield, VA |
| TruEnergy FCU - Backlick Office | Springfield, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Other-state peers near TRUENERGY
Using this data
- TRUENERGY ranks #4,028 of 4,374 nationally on financial health and #85 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N a E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N a E
Frequently Asked Questions
Is TRUENERGY financially healthy?
TRUENERGY has a financial health score of 61/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,028 of 4,374 nationally on health and #85 of 95 in Virginia. Its net worth ratio is 12.18% and its delinquency rate 2.00%.
How does TRUENERGY compare to other credit unions?
TRUENERGY scores 61/100, higher than 8% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (85.09% vs 72.20%). Its widest shortfall is return on assets (-1.18% vs 0.62%).
How can I join TRUENERGY?
TRUENERGY 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 TRUENERGY directly for the exact boundaries and application steps.
Is my money safe at TRUENERGY?
TRUENERGY 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. TRUENERGY's net worth ratio of 12.18% 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.