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
- BOOK 83/100
- CHARTER 10.5%
- NCUSIF 0.95%
- CAMELS 0.43%
- HEALTH $5.40B
- NW 334,169
- DELQ #2,306/4,374
- ROA CALIFORNIA
- ASSETS 7840
Call Report peers
TRULIANT in the assets neighbourhood
TRULIANT's $5.40B assets sit next to CALIFORNIA ($5.38B) 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.
TRULIANT 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
TRULIANT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #7840: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for TRULIANT
TRULIANT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $5.40B (2025Q4) to $5.45B (2026Q1).
- Net-worth ratio shifted +0.23 pp (10.30% → 10.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
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).
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
Cross-state asset and health neighbours for TRULIANT - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.40B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina 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 TRULIANT financially healthy?
TRULIANT scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,306 of 4,374; by total assets it ranks #76 of 4,374 nationally (same basis as /rankings/largest); and #3 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.53% net worth ratio and a 0.95% delinquency rate.
How does TRULIANT compare to other credit unions?
Five weighted metrics from NCUA filings produce TRULIANT's 83/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like TRULIANT 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. TRULIANT's net worth ratio of 10.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TRULIANT offer compared to banks?
Credit unions like TRULIANT 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 TRULIANT 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.