Federal credit union · Boise, Idaho · NCUA charter #17127
TRUGROCER
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $316.5M
- Total assets
- 22,136
- Members
- 16.2%
- Net-worth ratio
TRUGROCER scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $316.5M; members 22,136; net-worth ratio 16.20%; health rank #2,074 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,074 of 4,374 health · 2025Q4TRUGROCER · health 84/100 · $316.5M · 2025Q4
Call Report peers
TRUGROCER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRUGROCER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRUGROCER sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TRUGROCER: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +4.09 pp (16.20% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 57.70% vs peer 72.20% (-14.50 pp).
TRUGROCER: in-state Call Report ranks
- Health composite ranks #15 of 26 among scored Idaho credit unions.
- Assets rank #9 of 26 inside Idaho ($316.5M reported).
- Idaho membership ordinal: #10 of 26.
- One place up in Idaho, St Joe Valley (#14) scores 87/100, 3 points higher; one place down, Rails West (#16) ties at 84/100.
How TRUGROCER's 5300 filing moved
TRUGROCER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $316.5M (2025Q4) to $319.4M (2026Q1).
- Net-worth ratio shifted -0.45 pp (16.65% → 16.20%).
At 16.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
TRUGROCER gives up 16 points in total. Return on Assets costs the most, 12.8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.2 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 12.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.20% | +4.09 pp |
| Delinquency Rate | 0.48% | -0.41 pp |
| Return on Assets | -0.25% | -0.88 pp |
| Member Growth | 4.26% | - |
| Loan-to-Share Ratio | 57.70% | -14.50 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TRUGROCER quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $319.4M | - |
| 2025Q4 | $316.5M | 22,136 |
| 2024Q4 | $319.2M | 21,231 |
| 2023Q4 | $312.3M | 21,535 |
Credit Union Details
- Charter Number
- 17127
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- Boise
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, TRUGROCER runs 8 offices in 7 different cities across 6 states.
| Office | City |
|---|---|
| Admin Office (Main Office) | Meridian, ID |
| DFW | Bedford, TX |
| Boise | Boise, ID |
| Los Angeles | Fullerton, CA |
| Phoenix | Glendale, AZ |
| Meridian | Meridian, ID |
| Orlando | Oviedo, FL |
| Wells | Wells, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
TRUGROCER nationwide neighbourhoods
Similar total assets
Using this data
- TRUGROCER ranks #2,074 of 4,374 nationally on financial health and #15 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOOKOUT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOOKOUT
Frequently Asked Questions
Is TRUGROCER financially healthy?
On its 2025Q4 NCUA 5300 filing, TRUGROCER scores 84/100 (Excellent), with a 16.20% net worth ratio and 0.48% of loans delinquent. It ranks #2,074 of 4,374 nationally on health and #15 of 26 in Idaho.
How does TRUGROCER compare to other credit unions?
TRUGROCER scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.20% vs 12.11%). Its widest shortfall is loan-to-share ratio (57.70% vs 72.20%).
How can I join TRUGROCER?
TRUGROCER 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 TRUGROCER directly for the exact boundaries and application steps.
Is my money safe at TRUGROCER?
TRUGROCER 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. TRUGROCER's net worth ratio of 16.20% 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.