Truliant
Winston Salem, NC · Charter 7840 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 40 branches
Q2 2026
$5.6BAssets
$4.6BLoans
$4.9BShares
$572.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions $1B-$10B in assets (rank 34 of 435).
- Widest gap: nonperforming loans / loans trails 67% of credit unions $1B-$10B in assets (rank 293 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.22%
Rank 80 of 435
Net Interest Margin
4.15%
Rank 34 of 435
Efficiency Ratio
62.80%
Rank 87 of 435
Equity / Assets
10.19%
Rank 284 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.55% | 0.81% | 1.14% | Beats 82% | 80 / 435 | | |
| Return on Equity | 11.99% | 5.12% | 7.41% | 9.70% | Beats 89% | 46 / 435 | | |
| Net Interest Margin | 4.15% | 3.01% | 3.39% | 3.75% | Beats 92% | 34 / 435 | | |
| Efficiency Ratio | 62.80% | 65.25% | 71.39% | 77.86% | Beats 80% | 87 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.45% | 0.69% | 1.05% | Beats 33% | 293 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.19% | 9.81% | 10.84% | 12.63% | Beats 35% | 284 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.19% | 9.81% | 10.84% | 12.63% | Beats 35% | 284 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.69% | 78.33% | 88.38% | 95.61% | 69th pctl | 136 / 435 | | |
| Loans / Assets | 81.49% | 67.69% | 74.58% | 80.80% | 79th pctl | 90 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |