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
Call Report peers
Trustone Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Trustone Financial sits in 90-94 with 747 others.
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 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%).
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.
- One place up in Minnesota, Red Wing (#18) ties at 93/100; one place down, Affinity Plus (#20) ties at 93/100.
Trustone Financial Call Report trajectory
Trustone Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $5.97B (2025Q4) to $6.06B (2026Q1).
- Net-worth ratio shifted +0.10 pp (10.70% → 10.80%).
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
Trustone Financial gives up 7 points in total. Member Growth costs the most, 3.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Trustone Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Trustone Financial scores 93/100 (Excellent), with a 10.80% net worth ratio and 0.81% of loans delinquent. It ranks #658 of 4,374 nationally on health and #19 of 82 in Minnesota.
How does Trustone Financial compare to other credit unions?
Trustone Financial scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.02% vs 83.90%). Its widest shortfall is net worth ratio (10.80% vs 11.18%).
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?
Trustone Financial is a state-chartered 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. Trustone Financial's net worth ratio of 10.80% 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.