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
- CAMELS 84/100
- HEALTH 16.2%
- NW 0.48%
- DELQ -0.25%
- ROA $316.5M
- ASSETS 22,136
- MEM #2,074/4,374
- RANK Families and Schools Together
- PHOTO 17127
Call Report peers
TRUGROCER in the assets neighbourhood
TRUGROCER's $316.5M assets sit next to Families and Schools Together ($316.7M) 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.
TRUGROCER 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
84 Top 50% higher than 50% 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
TRUGROCER - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #17127, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How TRUGROCER's 5300 filing moved
TRUGROCER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $316.5M (2025Q4) to $319.4M (2026Q1).
- Net-worth ratio shifted -0.45 pp (16.65% → 16.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- 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 |
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).
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
TRUGROCER's nationwide photo peers by assets and by health score, excluding Idaho charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($316.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho 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 TRUGROCER financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - TRUGROCER's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,074 of 4,374; by total assets it ranks #1,009 of 4,374 nationally (same basis as /rankings/largest); and #9 of 26 within Idaho. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.20% net worth ratio and 0.48% delinquency rate are the key drivers.
How does TRUGROCER compare to other credit unions?
TRUGROCER scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 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?
Federal credit unions like TRUGROCER 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. TRUGROCER's net worth ratio of 16.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRUGROCER offer compared to banks?
Credit unions like TRUGROCER 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 TRUGROCER 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.