Federal credit union · Winston Salem, North Carolina · NCUA charter #7840
TRULIANT
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $5.40B
- Total assets
- 334,169
- Members
- 10.5%
- Net-worth ratio
TRULIANT scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.40B; members 334,169; net-worth ratio 10.53%; health rank #2,306 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,306 of 4,374 health · 2025Q4TRULIANT · health 83/100 · $5.40B · 2025Q4
Call Report peers
TRULIANT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRULIANT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRULIANT 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
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
TRULIANT vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 93.66% here, 83.90% peer average (+9.76 pp).
- Largest lag: Net Worth Ratio at 10.53% vs peer 11.18% (-0.65 pp).
TRULIANT in North Carolina
- Health composite ranks #26 of 57 among scored North Carolina credit unions.
- Assets rank #3 of 57 inside North Carolina ($5.40B reported).
- Member book place in North Carolina: #4 of 57.
- One place up in North Carolina, Duke University (#25) scores 84/100, 1 point higher; one place down, Internal Revenue Employees (#27) scores 82/100, 1 point lower.
Quarter path for TRULIANT
TRULIANT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $5.40B (2025Q4) to $5.45B (2026Q1).
- Net-worth ratio shifted +0.23 pp (10.30% → 10.53%).
This credit union's 10.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
TRULIANT gives up 17 points in total. Member Growth costs the most, 9.4 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 13.9 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 13.0 pts
TRULIANT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.53% | -0.65 pp |
| Delinquency Rate | 0.95% | +0.08 pp |
| Return on Assets | 0.43% | -0.08 pp |
| Member Growth | -1.90% | - |
| Loan-to-Share Ratio | 93.66% | +9.76 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.45B | - |
| 2025Q4 | $5.40B | 334,169 |
| 2024Q4 | $5.22B | 340,656 |
| 2023Q4 | $5.17B | 332,190 |
Credit Union Details
- Charter Number
- 7840
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Winston Salem
- Data Quarter
- 2025Q4
Branch Locations (38)
TRULIANT operates 38 offices across 24 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office & Branch Office (Main Office) | Winston Salem, NC |
| E Dixie Dr | Asheboro, NC |
| N Fayetteville St | Asheboro, NC |
| Boiling Springs | Boiling Springs, SC |
| Burlington | Burlington, NC |
| Elon | Burlington, NC |
| University | Charlotte, NC |
| Park Rd | Charlotte, NC |
| South End Charlotte | Charlotte, NC |
| Waverly | Charlotte, NC |
| Steele Creek | Charlotte, NC |
| Clemmons | Clemmons, NC |
| Easley | Easley, SC |
| Radford | Fairlawn, VA |
| Gastonia | Gastonia, NC |
| Graham | Graham, NC |
| S Elm-Eugene St | Greensboro, NC |
| New Garden Rd | Greensboro, NC |
| Battleground Ave MFC | Greensboro, NC |
| Friendly Center | Greensboro, NC |
| Pelham Rd | Greenville, SC |
| Cherrydale | Greenville, SC |
| Greer SC | Greer, SC |
| Harrisburg | Harrisburg, NC |
| NC HWY 68 | High Point, NC |
| N Main St | High Point, NC |
| Huntersville | Huntersville, NC |
| Kernersville | Kernersville, NC |
| Lexington | Lexington, NC |
| Matthews | Matthews, NC |
| Mauldin SC | Mauldin, SC |
| Mebane | Mebane, NC |
| Mint Hill | Mint Hill, NC |
| Shelby | Shelby, NC |
| North Point Blvd | Winston Salem, NC |
| Downtown Winston-Salem | Winston Salem, NC |
| Robinhood Rd | Winston Salem, NC |
| Wytheville | Wytheville, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
A look at other North Carolina credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for TRULIANT
Using this data
- TRULIANT ranks #2,306 of 4,374 nationally on financial health and #26 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COASTAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COASTAL
Frequently Asked Questions
Is TRULIANT financially healthy?
On its 2025Q4 NCUA 5300 filing, TRULIANT scores 83/100 (Excellent), with a 10.53% net worth ratio and 0.95% of loans delinquent. It ranks #2,306 of 4,374 nationally on health and #26 of 57 in North Carolina.
How does TRULIANT compare to other credit unions?
TRULIANT 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 (93.66% vs 83.90%). Its widest shortfall is net worth ratio (10.53% vs 11.18%).
How can I join TRULIANT?
TRULIANT 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 TRULIANT directly for the exact boundaries and application steps.
Is my money safe at TRULIANT?
TRULIANT 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. TRULIANT's net worth ratio of 10.53% 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.