Federal credit union · Chattanooga, Tennessee · NCUA charter #24629
TRUST
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $136.4M
- Total assets
- 7,704
- Members
- 11.7%
- Net-worth ratio
TRUST scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $136.4M; members 7,704; net-worth ratio 11.68%; health rank #3,472 of 4,374; healthier than 20th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,472 of 4,374 health · 2025Q4TRUST · health 72/100 · $136.4M · 2025Q4
Call Report peers
TRUST in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TRUST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TRUST sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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
Where TRUST diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 87.01% vs peer 72.20% (+14.81 pp).
- Largest lag: Delinquency Rate at 1.96% vs peer 0.89% (+1.07 pp).
Where TRUST sits in Tennessee
- In Tennessee, health place is #106 of 127 on the same NCUA-ratio sort used nationally.
- Tennessee assets place: #35 of 127.
- Tennessee membership ordinal: #40 of 127.
- One place up in Tennessee, St. Thomas (#105) ties at 72/100; one place down, Kemba Delta (#107) scores 71/100, 1 point lower.
How TRUST's 5300 filing moved
TRUST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $136.4M (2025Q4) to $140.4M (2026Q1).
- Net-worth ratio shifted -0.24 pp (11.92% → 11.68%).
This credit union's 11.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
TRUST gives up 28 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.8 pts
- Return on Assets 14.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
TRUST health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.68% | -0.43 pp |
| Delinquency Rate | 1.96% | +1.07 pp |
| Return on Assets | 0.46% | -0.16 pp |
| Member Growth | -5.66% | - |
| Loan-to-Share Ratio | 87.01% | +14.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TRUST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $140.4M | - |
| 2025Q4 | $136.4M | 7,704 |
| 2024Q4 | $128.5M | 8,166 |
| 2023Q4 | $121.5M | 8,544 |
Credit Union Details
- Charter Number
- 24629
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Tennessee
- City
- Chattanooga
- Data Quarter
- 2025Q4
Branch Locations (3)
TRUST operates 3 offices in Chattanooga, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Chattanooga, TN |
| Northgate Branch | Chattanooga, TN |
| Gunbarrel Branch | Chattanooga, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
TRUST nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- TRUST ranks #3,472 of 4,374 nationally on financial health and #106 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CLINCHFIELD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CLINCHFIELD
Frequently Asked Questions
Is TRUST financially healthy?
TRUST has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,472 of 4,374 nationally on health and #106 of 127 in Tennessee. Its net worth ratio is 11.68% and its delinquency rate 1.96%.
How does TRUST compare to other credit unions?
TRUST scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (87.01% vs 72.20%). Its widest shortfall is delinquency rate (1.96% vs 0.89%).
How can I join TRUST?
TRUST 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 TRUST directly for the exact boundaries and application steps.
Is my money safe at TRUST?
TRUST 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. TRUST's net worth ratio of 11.68% 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.