TRU
Charter #21628 · Greenwood, SC · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.39% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.36% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 64th — a 18-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 | TRU | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.54M | 33th pct | 33th pct |
| Members | 7,343 | 82th pct | 64th pct |
| Net worth ratio | 11.04% | 31th pct | 41th pct |
| Return on average assets | 0.50% | 38th pct | 39th pct |
| Net interest margin | 4.39% | 84th pct | 75th pct |
| Cost of funds | 0.82% | 44th pct | 46th pct |
| Loan-to-share | 67.20% | 61th pct | 56th pct |
| Delinquency 60+ days | 0.36% | 35th pct | 23th pct |
| Net charge-off ratio | 0.70% | 81th pct | 66th pct |
| Loan growth YoY | 1.06% | 71th pct | 64th pct |
| Share growth YoY | -4.87% | 1th pct | 5th pct |
| Efficiency ratio | 86.87% | 71th pct | 66th pct |
structural peer set hash: 2e60997e977ec168afd83bdf6ae31d26… (reproducible)
Closest structural peers
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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.