Federal credit union · Bartlesville, Oklahoma · NCUA charter #3130
TRUITY
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.24B
- Total assets
- 75,118
- Members
- 8.8%
- Net-worth ratio
TRUITY scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.24B; members 75,118; net-worth ratio 8.84%; health rank #2,344 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,344 of 4,374 health · 2025Q4TRUITY · health 83/100 · $1.24B · 2025Q4
- NW 83/100
- DELQ 8.8%
- ROA 0.82%
- ASSETS 0.19%
- MEM $1.24B
- RANK 75,118
- PHOTO #2,344/4,374
- BOOK Efcu Financial
- CHARTER 3130
Call Report peers
TRUITY in the assets neighbourhood
TRUITY's $1.24B assets sit next to Efcu Financial ($1.24B) 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.
TRUITY 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
83 46th percentile higher than 46% 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
TRUITY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3130, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for TRUITY
- Loan-to-Share Ratio leads the peer set - 102.56% here, 83.90% peer average (+18.66 pp).
- Largest lag: Net Worth Ratio at 8.84% vs peer 11.18% (-2.34 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where TRUITY sits in Oklahoma
- Oklahoma health ordinal: #28 of 53.
- By total assets, TRUITY is #5 of 53 in Oklahoma.
- Member book place in Oklahoma: #4 of 53.
In-state ordinals use the live credit_unions table for OK only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TRUITY
TRUITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $1.24B (2025Q4) to $1.30B (2026Q1).
- Net-worth ratio shifted -0.51 pp (9.35% → 8.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 21.8 pts
- Return on Assets 10.3 pts
- Member Growth 14.1 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for TRUITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.84% | -2.34 pp |
| Delinquency Rate | 0.82% | -0.06 pp |
| Return on Assets | 0.19% | -0.32 pp |
| Member Growth | 4.25% | - |
| Loan-to-Share Ratio | 102.56% | +18.66 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
TRUITY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.30B | - |
| 2025Q4 | $1.24B | 75,118 |
| 2024Q4 | $1.14B | 72,059 |
| 2023Q4 | $1.10B | 71,458 |
Credit Union Details
- Charter Number
- 3130
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Oklahoma
- City
- Bartlesville
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for TRUITY, spread across 5 cities in 3 states.
| Office | City |
|---|---|
| Truity Federal Credit Union (Main Office) | Bartlesville, OK |
| Bartlesville Washington South | Bartlesville, OK |
| Houston ConocoPhillips EC4 | Houston, TX |
| Houston Phillips 66 World HQ | Houston, TX |
| Lawrence Main | Lawrence, KS |
| Lawrence West | Lawrence, KS |
| Lawrence Campus | Lawrence, KS |
| Lawrence East | Lawrence, KS |
| Olathe Sunnybrook | Olathe, KS |
| Olathe Pointe | Olathe, KS |
| Shawnee | Shawnee, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oklahoma
More federally-insured credit unions based in Oklahoma, ordered by peer group match and asset size.
TRUITY nationwide neighbourhoods
Two NCUA Call Report peer sets for TRUITY, both outside Oklahoma 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 ($1.24B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- TRUITY ranks #2,344 of 4,374 nationally on financial health and #28 of 53 in OK -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WEOKIE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WEOKIE
- Rates and health both vary by institution, not just by state -- see how Oklahoma credit unions compare overall before assuming this one is typical. Oklahoma 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 TRUITY financially healthy?
TRUITY has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,344 of 4,374; by total assets it ranks #393 of 4,374 nationally (same basis as /rankings/largest); and #5 of 53 within Oklahoma. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.84% and delinquency rate of 0.82%.
How does TRUITY compare to other credit unions?
On PlainCU's health composite, TRUITY lands at 83/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 TRUITY?
TRUITY 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 TRUITY directly for the exact boundaries and application steps.
Is my money safe at TRUITY?
Federal credit unions like TRUITY 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. TRUITY's net worth ratio of 8.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRUITY offer compared to banks?
Credit unions like TRUITY 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 TRUITY 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.