TRULIANT
Charter #7840 · Winston Salem, NC · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 333,731 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.53% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.20% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.53% sits at the 97th percentile of structural peers — worth a closer look.
- Efficiency ratio of 56.63% ranks in the 5th 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 | TRULIANT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.45B | 84th pct | 74th pct |
| Members | 333,731 | 87th pct | 87th pct |
| Net worth ratio | 10.53% | 45th pct | 38th pct |
| Return on average assets | 1.53% | 93th pct | 90th pct |
| Net interest margin | 4.20% | 93th pct | 93th pct |
| Cost of funds | 2.16% | 70th pct | 49th pct |
| Loan-to-share | 93.52% | 74th pct | 66th pct |
| Delinquency 60+ days | 0.82% | 69th pct | 66th pct |
| Net charge-off ratio | 1.53% | 97th pct | 97th pct |
| Loan growth YoY | 0.70% | 36th pct | 28th pct |
| Share growth YoY | 5.08% | 65th pct | 61th pct |
| Efficiency ratio | 56.63% | 7th pct | 5th pct |
structural peer set hash: 8bff24317fd34b11e33d00c77224763d… (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.