State credit union · Plymouth, Minnesota · NCUA charter #68722
Trustone Financial
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $5.97B
- Total assets
- 220,287
- Members
- 10.8%
- Net-worth ratio
Trustone Financial scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.97B; members 220,287; net-worth ratio 10.80%; health rank #658 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#658 of 4,374 health · 2025Q4Trustone Financial · health 93/100 · $5.97B · 2025Q4
- ASSETS 93/100
- MEM 10.8%
- RANK 0.81%
- PHOTO 0.94%
- BOOK $5.97B
- CHARTER 220,287
- NCUSIF #658/4,374
- CAMELS COASTAL
- HEALTH 68722
Call Report peers
Trustone Financial in the assets neighbourhood
Trustone Financial's $5.97B assets sit next to COASTAL ($6.03B) 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.
Trustone Financial 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
93 Top 16% higher than 84% 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
Trustone Financial - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68722, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Trustone Financial vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 91.02% here, 83.90% peer average (+7.12 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.38 pp (10.80% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Trustone Financial sits in Minnesota
- Health composite ranks #19 of 82 among scored Minnesota credit unions.
- Assets rank #2 of 82 inside Minnesota ($5.97B reported).
- Member book place in Minnesota: #4 of 82.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Trustone Financial Call Report trajectory
Trustone Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $5.97B (2025Q4) to $6.06B (2026Q1).
- Net-worth ratio shifted +0.10 pp (10.70% → 10.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.80%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.80% | -0.38 pp |
| Delinquency Rate | 0.81% | -0.07 pp |
| Return on Assets | 0.94% | +0.43 pp |
| Member Growth | 1.82% | - |
| Loan-to-Share Ratio | 91.02% | +7.12 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).
Trustone Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.06B | - |
| 2025Q4 | $5.97B | 220,287 |
| 2024Q4 | $5.42B | 216,356 |
| 2023Q4 | $5.00B | 214,200 |
Credit Union Details
- Charter Number
- 68722
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Minnesota
- City
- Plymouth
- Data Quarter
- 2025Q4
Branch Locations (25)
The NCUA branch filing lists 25 physical offices for Trustone Financial, spread across 20 cities in 2 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Plymouth, MN |
| Bloomington | Bloomington, MN |
| Brooklyn Park | Brooklyn Park, MN |
| Burnsville | Burnsville, MN |
| Burnsville | Burnsville, MN |
| Chanhassen | Chanhassen, MN |
| Coon Rapids | Coon Rapids, MN |
| Milwaukee-Cudahy | Cudahy, WI |
| Fridley | Fridley, MN |
| Boone Ave | Golden Valley, MN |
| Greenfield | Greenfield, WI |
| Green Bay Road | Kenosha, WI |
| Northside | Kenosha, WI |
| Lakeville | Lakeville, MN |
| Maple Grove (Elm Creek) | Maple Grove, MN |
| Minneapolis (LynLake) | Minneapolis, MN |
| Northeast Minneapolis | Minneapolis, MN |
| Minneapolis (Seward) | Minneapolis, MN |
| Oakdale | Oakdale, MN |
| Commercial Lending and Business Services | Plymouth, MN |
| Rogers | Rogers, MN |
| Roseville | Roseville, MN |
| St. Cloud | Saint Cloud, MN |
| Highland | Saint Paul, MN |
| Shakopee | Shakopee, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Trustone Financial
Two NCUA Call Report peer sets for Trustone Financial, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.97B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Trustone Financial ranks #658 of 4,374 nationally on financial health and #19 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Affinity Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Affinity Plus
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Trustone Financial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Trustone Financial carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #658 of 4,374; by total assets it ranks #68 of 4,374 nationally (same basis as /rankings/largest); and #2 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.80% net worth ratio and a 0.81% delinquency rate.
How does Trustone Financial compare to other credit unions?
PlainCU's health composite puts Trustone Financial at 93/100, compared to a peer group average for Over $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 Trustone Financial?
Membership eligibility for Trustone Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Trustone Financial directly for current membership requirements and application steps.
Is my money safe at Trustone Financial?
Federal credit unions like Trustone Financial 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. Trustone Financial's net worth ratio of 10.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trustone Financial offer compared to banks?
Credit unions like Trustone Financial 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 Trustone Financial 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.