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
Call Report peers
TRUITY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); TRUITY sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Oklahoma, The Focus (#27) scores 84/100, 1 point higher; one place down, Oklahoma Educators (#29) scores 82/100, 1 point lower.
Quarter path for TRUITY
TRUITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $1.24B (2025Q4) to $1.30B (2026Q1).
- Net-worth ratio shifted -0.51 pp (9.35% → 8.84%).
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
TRUITY gives up 17 points in total. Loan-to-Share Ratio costs the most, 5.5 of its 15; Member Growth loses the least, 0.9.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is TRUITY financially healthy?
TRUITY has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,344 of 4,374 nationally on health and #28 of 53 in Oklahoma. Its net worth ratio is 8.84% and its delinquency rate 0.82%.
How does TRUITY compare to other credit unions?
TRUITY scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (102.56% vs 83.90%). Its widest shortfall is net worth ratio (8.84% vs 11.18%).
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?
TRUITY 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. TRUITY's net worth ratio of 8.84% 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.