TRUCHOICE
Charter #10100 · PORTLAND, ME · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 12,579 sits at the 25th percentile of structural peers — worth a closer look.
- Return on average assets of 1.00% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.75% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 72.93% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 39th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TRUCHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $253.58M | 64th pct | 39th pct |
| Members | 12,579 | 47th pct | 25th pct |
| Net worth ratio | 10.93% | 42th pct | 57th pct |
| Return on average assets | 1.00% | 69th pct | 80th pct |
| Net interest margin | 4.29% | 84th pct | 64th pct |
| Cost of funds | 1.75% | 79th pct | 82th pct |
| Loan-to-share | 90.88% | 90th pct | 84th pct |
| Delinquency 60+ days | 0.96% | 74th pct | 69th pct |
| Net charge-off ratio | 0.43% | 57th pct | 39th pct |
| Loan growth YoY | 0.32% | 51th pct | 49th pct |
| Share growth YoY | 1.47% | 22th pct | 21th pct |
| Efficiency ratio | 72.93% | 31th pct | 15th pct |
structural peer set hash: 1da746793a58a3dbd2ecddfd1f713578… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.