PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tru

Greenwood, SC · Charter 21628

NCUA · 2 branches

Q2 2026

$63.4MAssets
$37.4MLoans
$54.9MShares
$7.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.12%, down 127 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.42% of loans (+22 bps YoY).
  • Capital: net worth / assets of 11.01%, up 103 bps from a year ago.
  • Funding: loans stand at 68.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.12%-127 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+31 bps YoY

Efficiency Ratio (YTD, annualized)

89.14%+1,521 bps YoY

Net Worth / Assets

11.01%+103 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.38%1.12%0.50%0.12%-127 bps
Return on Equity13.90%13.27%10.32%4.54%1.05%-1,285 bps
Net Interest Margin4.12%4.25%4.43%4.40%4.43%+31 bps
Efficiency Ratio73.93%74.81%78.29%86.87%89.14%+1,521 bps
Growth
Asset Growth (YoY)2.38%1.92%-3.88%-6.01%-5.88%-826 bps
Loan Growth (YoY)5.14%6.28%4.01%2.78%0.95%-418 bps
Share Growth (YoY)0.42%-1.27%-7.55%-6.81%-6.99%-741 bps
Asset Quality
Delinquent Loans / Loans0.20%0.33%0.34%0.36%0.42%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.98%10.43%10.87%11.04%11.01%+103 bps
Net Worth / Assets9.98%10.43%10.87%11.04%11.01%+103 bps
Liquidity & Funding
Loans / Shares62.80%63.25%65.85%67.20%68.16%+536 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps