TRUENERGY
Charter #3323 · SPRINGFIELD, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.08% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.23% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.54% sits at the 85th percentile of structural peers — worth a closer look.
- On Cost of funds, the asset-size band puts this credit union at the 51st percentile but its structural peers at the 25th — a 26-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 | TRUENERGY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $128.97M | 19th pct | 15th pct |
| Members | 7,802 | 16th pct | 28th pct |
| Net worth ratio | 12.18% | 59th pct | 74th pct |
| Return on average assets | 0.33% | 25th pct | 30th pct |
| Net interest margin | 4.08% | 75th pct | 85th pct |
| Cost of funds | 1.23% | 51th pct | 25th pct |
| Loan-to-share | 83.63% | 77th pct | 54th pct |
| Delinquency 60+ days | 0.87% | 69th pct | 70th pct |
| Net charge-off ratio | 0.54% | 68th pct | 85th pct |
| Loan growth YoY | 2.33% | 69th pct | 61th pct |
| Share growth YoY | 4.59% | 66th pct | 72th pct |
| Efficiency ratio | 84.71% | 71th pct | 62th pct |
structural peer set hash: ccb53b4fc678f4b21fd672f9d8634b15… (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.