TRUE COMMUNITY
Charter #68718 · Jackson, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.02% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.95% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.38% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.47% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.30% sits at the 95th percentile of structural peers — worth a closer look.
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 | TRUE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $953.20M | 94th pct | 39th pct |
| Members | 81,734 | 98th pct | 66th pct |
| Net worth ratio | 11.31% | 62th pct | 66th pct |
| Return on average assets | 1.02% | 74th pct | 77th pct |
| Net interest margin | 4.95% | 98th pct | 98th pct |
| Cost of funds | 0.38% | 13th pct | 25th pct |
| Loan-to-share | 86.14% | 65th pct | 56th pct |
| Delinquency 60+ days | 1.47% | 94th pct | 98th pct |
| Net charge-off ratio | 1.30% | 94th pct | 95th pct |
| Loan growth YoY | 1.05% | 52th pct | 56th pct |
| Share growth YoY | 4.77% | 63th pct | 64th pct |
| Efficiency ratio | 71.07% | 24th pct | 20th pct |
structural peer set hash: 05f8744d0bbf9a63ec9bc3bbcfc905c2… (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.