TRUSERVICE COMMUNITY
Charter #24390 · LITTLE ROCK, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.62% sits at the 89th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 56th — a 31-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 | TRUSERVICE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $51.76M | 5th pct | 16th pct |
| Members | 5,234 | 54th pct | 41th pct |
| Net worth ratio | 8.91% | 10th pct | 28th pct |
| Return on average assets | 0.21% | 22th pct | 30th pct |
| Net interest margin | 4.47% | 87th pct | 56th pct |
| Cost of funds | 1.62% | 85th pct | 89th pct |
| Loan-to-share | 85.82% | 91th pct | 64th pct |
| Delinquency 60+ days | 0.79% | 62th pct | 56th pct |
| Net charge-off ratio | 0.19% | 44th pct | 30th pct |
| Loan growth YoY | 0.50% | 68th pct | 59th pct |
| Share growth YoY | -0.11% | 16th pct | 16th pct |
| Efficiency ratio | 86.17% | 70th pct | 54th pct |
structural peer set hash: 55d60f79f8b727a88d76e23b4c0a387d… (reproducible)
Closest structural peers
This is the free public view
Claim TRUSERVICE COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.