Credit Union Safety Analysis
Is Tru Fi Credit Union Safe? Macclenny, Florida
Based on its Q2 2026 NCUA 5300 call report, Tru Fi Credit Union has a net worth ratio of 12.61%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.60%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Tru Fi Credit Union's net worth ratio is 12.61%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.61%
- Delinquency ratio (60+ days) (Q2 2026): 0.60%
- Return on assets (Q2 2026): 1.76%
- Loan-to-share ratio (Q2 2026): 67.70%
Tru Fi Credit Union (NCUA charter 68691, established 1967) reported $146.4M in assets and 8,118 members for Q2 2026 from Macclenny, Florida. It ranks 62 of 106 credit unions in Florida by total assets. Total assets grew 9.1% from $134.1M on June 30, 2025. It has 236 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.78 percentage points from 11.83% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $35.1M of $86.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.60% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.47% for Q1 2026; 11.83% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.11% for Q1 2026; 0.07% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.70% for Q1 2026; 1.86% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 69.51% for Q1 2026; 69.85% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $35.1M
- Used vehicle loans: $16.1M
- Other secured non-real estate loans and lines of credit: $9.5M
- New vehicle loans: $9.3M
- Commercial loans: $8.3M
- Other unsecured loans and lines of credit: $5.5M
- Unsecured credit card loans: $2.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $146.4M | 12.61% | 0.60% | 1.76% | 67.70% |
| March 31, 2026 | $142.8M | 12.47% | 0.11% | 1.70% | 69.51% |
| December 31, 2025 | $135.9M | 12.72% | 0.10% | 1.92% | 72.44% |
| September 30, 2025 | $135.5M | 12.28% | 0.07% | 2.28% | 72.60% |
| June 30, 2025 | $134.1M | 11.83% | 0.07% | 1.86% | 69.85% |
| March 31, 2025 | $132.8M | 11.48% | 0.08% | 1.45% | 70.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68691) · FFIEC NIC profile (RSSD 726485)
Frequently asked questions
Is Tru Fi Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tru Fi Credit Union's net worth ratio is 12.61%, above the 7% NCUA threshold for well capitalized.
Is Tru Fi Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tru Fi Credit Union is a federally insured credit union (NCUA charter 68691): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tru Fi Credit Union's key safety ratios?
For Q2 2026, Tru Fi Credit Union reports net worth 12.61%, delinquency 0.60%, ROA 1.76%, loan-to-share 67.70%.
What happens to my money if Tru Fi Credit Union fails?
For Q2 2026, Tru Fi Credit Union held $127.3M in shares and deposits for 8,118 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.