Federal credit union · Ishpeming, Michigan · NCUA charter #6332
TRUNORTH
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $197.1M
- Total assets
- 15,456
- Members
- 9.7%
- Net-worth ratio
TRUNORTH scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $197.1M; members 15,456; net-worth ratio 9.74%; health rank #2,324 of 4,374; healthier than 46th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,324 of 4,374 health · 2025Q4TRUNORTH · health 83/100 · $197.1M · 2025Q4
Call Report peers
TRUNORTH in the assets neighbourhood
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TRUNORTH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRUNORTH 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
TRUNORTH vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.27% here, 0.89% peer average (-0.62 pp).
- Loan-to-Share Ratio trails the peer set - 60.60% here, 72.20% peer average (-11.60 pp).
Where TRUNORTH sits in Michigan
- Health composite ranks #118 of 171 among scored Michigan credit unions.
- Michigan assets place: #81 of 171.
- Membership ranks #77 of 171 among Michigan CUs with a reported count (15,456 members).
- One place up in Michigan, Warren Municipal (#117) ties at 83/100; one place down, Safe Harbor (#119) ties at 83/100.
TRUNORTH Call Report trajectory
TRUNORTH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $197.1M (2025Q4) to $203.4M (2026Q1).
- Net-worth ratio shifted -0.10 pp (9.84% → 9.74%).
At 9.74%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
TRUNORTH gives up 17 points in total. Member Growth costs the most, 9.4 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.0 pts
- Member Growth 5.6 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for TRUNORTH
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.74% | -2.37 pp |
| Delinquency Rate | 0.27% | -0.62 pp |
| Return on Assets | 0.17% | -0.46 pp |
| Member Growth | -1.90% | - |
| Loan-to-Share Ratio | 60.60% | -11.60 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $203.4M | - |
| 2025Q4 | $197.1M | 15,456 |
| 2024Q4 | $201.8M | 15,756 |
| 2023Q4 | $215.0M | 16,348 |
Credit Union Details
- Charter Number
- 6332
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Ishpeming
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for TRUNORTH, spread across 3 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Ishpeming, MI |
| CU Answers Data Center | Kentwood, MI |
| Marquette Branch | Marquette, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for TRUNORTH
Using this data
- TRUNORTH ranks #2,324 of 4,374 nationally on financial health and #118 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AWAKON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AWAKON
Frequently Asked Questions
Is TRUNORTH financially healthy?
On its 2025Q4 NCUA 5300 filing, TRUNORTH scores 83/100 (Excellent), with a 9.74% net worth ratio and 0.27% of loans delinquent. It ranks #2,324 of 4,374 nationally on health and #118 of 171 in Michigan.
How does TRUNORTH compare to other credit unions?
TRUNORTH scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.27% vs 0.89%). Its widest shortfall is loan-to-share ratio (60.60% vs 72.20%).
How can I join TRUNORTH?
TRUNORTH 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 TRUNORTH directly for the exact boundaries and application steps.
Is my money safe at TRUNORTH?
TRUNORTH 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. TRUNORTH's net worth ratio of 9.74% 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.