Federal credit union · Malone, New York · NCUA charter #21026
Trunorthern
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $106.2M
- Total assets
- 5,810
- Members
- 11.9%
- Net-worth ratio
Trunorthern - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #21026: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Trunorthern - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth91
- Liquidity (loan-to-share)96
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.94% | 30% |
| Delinquency Rate | 0.81% | 25% |
| Return on Assets | 0.68% | 15% |
| Member Growth | 3.82% | 15% |
| Loan-to-Share Ratio | 67.13% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $106.2M | 5,810 |
| 2024Q4 | $94.2M | 5,596 |
| 2023Q4 | $85.4M | 5,468 |
Credit Union Details
- Charter Number
- 21026
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Malone
- Data Quarter
- 2025Q4
What This Data Says About Trunorthern
Trunorthern is a federal credit union headquartered in Malone, New York, serving 5,810 members with $106.2M in total assets and $64.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 95/100 (Excellent), anchored by a net worth ratio of 11.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #21026 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.81% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. The loan-to-share ratio of 67.13% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.68% on net income of $720K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.82%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Trunorthern financially healthy?
A 11.94% net worth ratio and a 0.81% delinquency rate feed into Trunorthern's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Trunorthern compare to other credit unions?
PlainCU's health composite puts Trunorthern at 95/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Trunorthern?
Trunorthern 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 Trunorthern directly for the exact boundaries and application steps.
Is my money safe at Trunorthern?
Federal credit unions like Trunorthern 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. Trunorthern's net worth ratio of 11.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trunorthern offer compared to banks?
Credit unions like Trunorthern 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 Trunorthern directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.