Federal credit union · CINCINNATI, Ohio · NCUA charter #95802
Trupartner
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $163.4M
- Total assets
- 14,044
- Members
- 7.0%
- Net-worth ratio
Trupartner - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #95802: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Trupartner - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)75
- Asset quality (delinquency)76
- Earnings (ROA)20
- Member growth15
- Liquidity (loan-to-share)81
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.99% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.99% | 30% |
| Delinquency Rate | 1.14% | 25% |
| Return on Assets | -0.16% | 15% |
| Member Growth | -3.74% | 15% |
| Loan-to-Share Ratio | 57.33% | 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 | $163.4M | 14,044 |
| 2024Q4 | $160.5M | 14,589 |
| 2023Q4 | $171.6M | 15,563 |
Credit Union Details
- Charter Number
- 95802
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- CINCINNATI
- Data Quarter
- 2025Q4
What This Data Says About Trupartner
14,044 members and $163.4M in total assets sit behind Trupartner, a federal credit union in CINCINNATI, Ohio, which posts a health score of 59/100 (Fair) on the five-factor composite, with $82.9M in outstanding loans as of Q4 2025 and a net worth ratio of 6.99% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #95802 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
1.14% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 57.33% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.16% on net income of $-267456 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 -3.74%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
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 Trupartner financially healthy?
Yes/no aside, the number is 59/100 (Fair) - Trupartner's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.99% net worth ratio and 1.14% delinquency rate are the key drivers.
How does Trupartner compare to other credit unions?
Five weighted metrics from NCUA filings produce Trupartner's 59/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 Trupartner?
Membership eligibility for Trupartner depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Trupartner directly for current membership requirements and application steps.
Is my money safe at Trupartner?
Federal credit unions like Trupartner 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. Trupartner's net worth ratio of 6.99% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Trupartner offer compared to banks?
Credit unions like Trupartner 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 Trupartner 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.