Tru Federal Credit Union Greenwood, South Carolina
Tru Federal Credit Union is a federal credit union headquartered in Greenwood, SC, established in 1974 (NCUA charter 21628), and it is regulated and insured by the NCUA. At Q2 2026 it reported 7,403 members and total assets of $63.4M (down 5.9% from Q2 2025), the 30th largest of 45 credit unions headquartered in South Carolina. Its net worth ratio was 11.01% at Q2 2026, in the well capitalized band.
Also written as Tru FCU
BankRegReports is independent of Tru Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21628
- Headquarters
- Greenwood, SC
- Established
- 1974
- Total assets, Q2 2026
- $63.4M
- Assets vs Q2 2025
- -5.9%
- Members, Q2 2026
- 7,403
- Net worth ratio, Q2 2026
- 11.01%
- Latest call report
- Q2 2026, NCUA 5300 · Tru Federal Credit Union call report
- Asset rank in state
- 30th of 45 in South Carolina
- Routing number
- 253279332
- Branches
- 4
It has 234 more members than on June 30, 2025 (+3.3%). Its net worth ratio was up 1.03 percentage points from 9.98% on June 30, 2025. Used vehicle loans are its largest loan category, $16.6M of $37.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.01% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in South Carolina
Frequently asked about Tru Federal Credit Union
How big is Tru Federal Credit Union?
At Q2 2026 it reported total assets of $63.4M and 7,403 members.
Where is Tru Federal Credit Union headquartered?
It is headquartered in Greenwood, SC, United States.
When was Tru Federal Credit Union founded?
It was established in 1974, per NCUA records.
Is Tru Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21628): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Tru Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Tru Federal Credit Union well capitalized?
Its net worth ratio was 11.01% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Tru Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Tru Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 68.16% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Greenwood, SC 29649
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 21628
- RSSD ID
- 7184
- Members
- 7,403
- Potential members
- 16,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.01% | 14.31% | 24th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.27% | 0.72% | 17th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -2.46% | 4.74% | 16th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.44% | 3.93% | 71st above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 91.42% | 79.83% | 25th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.70% | 0.78% | 55th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.42% | 0.86% | 71st above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.14% | 4.70% | 68th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 68.16% | 58.92% | 64th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$63.4M total assets against $67.3M; $54.9M total shares and deposits against $59.0M; $37.4M total loans against $37.1M.
$7.0M net worth against $6.7M.
11.01% net worth ratio against 9.98%.
68.16% loan-to-share ratio against 62.80%.
0.42% delinquency ratio against 0.20%.
-0.27% return on assets against 1.24%; -2.46% return on equity against 12.38%.
4.44% net interest margin against 4.12%.
7,403 members against 7,169.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.01% | -0.27% | 0.42% | 68.16% |
| March 31, 2026 | 11.04% | 0.50% | 0.36% | 67.20% |
| December 31, 2025 | 10.87% | 0.15% | 0.34% | 65.85% |
| September 30, 2025 | 10.43% | 1.35% | 0.33% | 63.25% |
| June 30, 2025 | 9.98% | 1.24% | 0.20% | 62.80% |
| March 31, 2025 | 9.63% | 1.53% | 0.09% | 60.93% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.