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
- NW 61/100
- DELQ 12.2%
- ROA 2.00%
- ASSETS -1.18%
- MEM $124.7M
- RANK 7,879
- PHOTO #4,028/4,374
- BOOK United Community
- CHARTER 3323
Call Report peers
TRUENERGY in the assets neighbourhood
TRUENERGY's $124.7M assets sit next to United Community ($124.6M) 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.
TRUENERGY 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
61 8th percentile higher than 8% 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
TRUENERGY - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3323: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TRUENERGY
TRUENERGY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $124.7M (2025Q4) to $129.0M (2026Q1).
- Net-worth ratio shifted -0.41 pp (12.59% → 12.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for TRUENERGY, both outside Virginia so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($124.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 TRUENERGY financially healthy?
TRUENERGY has a financial health score of 61/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,028 of 4,374; by total assets it ranks #1,644 of 4,374 nationally (same basis as /rankings/largest); and #44 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.18% and delinquency rate of 2.00%.
How does TRUENERGY compare to other credit unions?
PlainCU's health composite puts TRUENERGY at 61/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like TRUENERGY 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. TRUENERGY's net worth ratio of 12.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRUENERGY offer compared to banks?
Credit unions like TRUENERGY 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 TRUENERGY 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.