TRU FI
Charter #68691 · Macclenny, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,031 sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 1.74% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.13% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.56% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.11% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
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 FI | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $142.83M | 27th pct | 21th pct |
| Members | 8,031 | 18th pct | 15th pct |
| Net worth ratio | 12.47% | 63th pct | 64th pct |
| Return on average assets | 1.74% | 93th pct | 90th pct |
| Net interest margin | 4.13% | 78th pct | 80th pct |
| Cost of funds | 1.56% | 70th pct | 77th pct |
| Loan-to-share | 69.51% | 45th pct | 41th pct |
| Delinquency 60+ days | 0.11% | 7th pct | 7th pct |
| Net charge-off ratio | 0.13% | 22th pct | 30th pct |
| Loan growth YoY | 0.87% | 55th pct | 54th pct |
| Share growth YoY | 5.35% | 74th pct | 70th pct |
| Efficiency ratio | 68.65% | 22th pct | 26th pct |
structural peer set hash: f699260de808b1f256f883c831d8b83f… (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.