Tru Fi
Macclenny, FL · Charter 68691 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$146.4MAssets
$86.2MLoans
$127.3MShares
$18.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 78 of 1681).
- Widest gap: equity / assets trails 53% of credit unions under $1B in assets (rank 892 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.71%
Rank 165 of 1,683
Net Interest Margin
4.02%
Rank 655 of 1,683
Efficiency Ratio
70.22%
Rank 465 of 1,682
Equity / Assets
12.61%
Rank 892 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.71% | 0.35% | 0.74% | 1.18% | Beats 90% | 165 / 1,683 | | |
| Return on Equity | 13.54% | 2.67% | 5.89% | 8.74% | Beats 95% | 78 / 1,681 | | |
| Net Interest Margin | 4.02% | 3.31% | 3.82% | 4.32% | Beats 61% | 655 / 1,683 | | |
| Efficiency Ratio | 70.22% | 68.91% | 78.20% | 86.93% | Beats 72% | 465 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.60% | 0.26% | 0.65% | 1.29% | Beats 53% | 792 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.61% | 10.44% | 12.89% | 16.53% | Beats 47% | 892 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.61% | 10.44% | 12.89% | 16.53% | Beats 47% | 892 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.70% | 52.61% | 69.38% | 83.50% | 47th pctl | 898 / 1,683 | | |
| Loans / Assets | 58.91% | 44.71% | 59.18% | 70.72% | 49th pctl | 852 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |