Credit Union Safety Analysis
Is Trugrocer Federal Credit Union Safe? Boise, Idaho
Based on its Q2 2026 NCUA 5300 call report, Trugrocer Federal Credit Union has a net worth ratio of 16.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.81%, 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, Trugrocer Federal Credit Union's net worth ratio is 16.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.81%
- Return on assets (Q2 2026): -0.51%
- Loan-to-share ratio (Q2 2026): 57.34%
Trugrocer Federal Credit Union (NCUA charter 17127, established 1965) reported $320.1M in assets and 23,094 members for Q2 2026 from Boise, Idaho. It ranks 9 of 26 credit unions in Idaho by total assets. Total assets grew 2.1% from $313.6M on June 30, 2025. It has 1,283 more members than on June 30, 2025 (+5.9%). Its net worth ratio was down 0.75 percentage points from 16.78% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $77.4M of $153.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.81% is above 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: 16.20% for Q1 2026; 16.78% 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: 0.56% for Q1 2026; 0.76% 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: -1.19% for Q1 2026; -0.06% 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: 56.11% for Q1 2026; 58.49% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $77.4M
- Used vehicle loans: $38.9M
- Other unsecured loans and lines of credit: $14.3M
- New vehicle loans: $12.5M
- Other secured non-real estate loans and lines of credit: $5.9M
- Unsecured credit card loans: $4.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $320.1M | 16.03% | 0.81% | -0.51% | 57.34% |
| March 31, 2026 | $319.4M | 16.20% | 0.56% | -1.19% | 56.11% |
| December 31, 2025 | $316.5M | 16.65% | 0.48% | 0.67% | 57.70% |
| September 30, 2025 | $313.9M | 16.64% | 0.73% | -0.48% | 58.75% |
| June 30, 2025 | $313.6M | 16.78% | 0.76% | -0.06% | 58.49% |
| March 31, 2025 | $320.7M | 16.42% | 0.69% | -0.42% | 55.76% |
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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.
Trugrocer Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17127) · FFIEC NIC profile (RSSD 74980)
Frequently asked questions
Is Trugrocer Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Trugrocer Federal Credit Union's net worth ratio is 16.03%, above the 7% NCUA threshold for well capitalized.
Is Trugrocer Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Trugrocer Federal Credit Union is a federally insured credit union (NCUA charter 17127): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Trugrocer Federal Credit Union's key safety ratios?
For Q2 2026, Trugrocer Federal Credit Union reports net worth 16.03%, delinquency 0.81%, ROA -0.51%, loan-to-share 57.34%.
What happens to my money if Trugrocer Federal Credit Union fails?
For Q2 2026, Trugrocer Federal Credit Union held $267.8M in shares and deposits for 23,094 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.