Tru
Greenwood, SC · Charter 21628 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$63.4MAssets
$37.4MLoans
$54.9MShares
$7.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 78% of credit unions under $1B in assets (rank 366 of 1683).
- Widest gap: return on equity trails 85% of credit unions under $1B in assets (rank 1421 of 1681).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.12%
Rank 1,435 of 1,683
Net Interest Margin
4.43%
Rank 366 of 1,683
Efficiency Ratio
89.14%
Rank 1,353 of 1,682
Equity / Assets
11.01%
Rank 1,152 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.12% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,435 / 1,683 | | |
| Return on Equity | 1.06% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,421 / 1,681 | | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 366 / 1,683 | | |
| Efficiency Ratio | 89.14% | 68.91% | 78.20% | 86.93% | Beats 20% | 1,353 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.26% | 0.65% | 1.29% | Beats 64% | 602 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.01% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,152 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.01% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,152 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.16% | 52.61% | 69.38% | 83.50% | 48th pctl | 874 / 1,683 | | |
| Loans / Assets | 59.05% | 44.71% | 59.18% | 70.72% | 50th pctl | 846 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |