Truliant Federal Credit Union Winston Salem, North Carolina
Truliant Federal Credit Union is a federal credit union headquartered in Winston Salem, NC, established in 1952 (NCUA charter 7840), and it is regulated and insured by the NCUA. At Q2 2026 it reported 328,760 members and total assets of $5.62B (up 9.1% from Q2 2025), the 3rd largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 10.56% at Q2 2026, in the well capitalized band.
Also written as Truliant FCU · Trade names filed with the NCUA: Truliant Foundation, Truliant Federal Credit Union Foundation, Truliant Mortgage Services, Truliant Insurance Services, Truliant Financial Advisors and Truliant Credit Union
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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
- 7840
- Headquarters
- Winston Salem, NC
- Established
- 1952
- Total assets, Q2 2026
- $5.62B
- Assets vs Q2 2025
- +9.1%
- Members, Q2 2026
- 328,760
- Net worth ratio, Q2 2026
- 10.56%
- Latest call report
- Q2 2026, NCUA 5300 · Truliant Federal Credit Union call report
- Asset rank in state
- 3rd of 56 in North Carolina
- Routing number
- 253177832
- Branches
- 38
It has 8,064 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was up 1.26 percentage points from 9.30% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.69B of $4.58B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.56% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in North Carolina
Credit unions merged into Truliant Federal Credit Union
Piedmont Advantage Credit Union (2026) · WJC Federal Credit Union (2020)
Frequently asked about Truliant Federal Credit Union
How big is Truliant Federal Credit Union?
At Q2 2026 it reported total assets of $5.62B and 328,760 members.
Where is Truliant Federal Credit Union headquartered?
It is headquartered in Winston Salem, NC, United States.
When was Truliant Federal Credit Union founded?
It was established in 1952, per NCUA records.
Is Truliant Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 7840): 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 Truliant Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Truliant Federal Credit Union well capitalized?
Its net worth ratio was 10.56% 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 Truliant Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.90% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Truliant Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.69% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Winston Salem, NC 27103
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 7840
- RSSD ID
- 446185
- Members
- 328,760
- Potential members
- 6,629,707
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.56% | 10.89% | 42nd below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.97% | 0.89% | 55th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 9.49% | 8.07% | 62nd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.24% | 3.45% | over 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 69.07% | 70.59% | 55th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.88% | 1.68% | 34th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.90% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.12% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.69% | 88.03% | 70th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$5.62B total assets against $5.15B; $4.88B total shares and deposits against $4.60B; $4.58B total loans against $4.39B.
$572.0M net worth against $478.4M.
10.56% net worth ratio against 9.30%.
93.69% loan-to-share ratio against 95.57%.
0.90% delinquency ratio against 0.87%.
0.97% return on assets against 1.14%; 9.49% return on equity against 12.29%.
4.24% net interest margin against 4.36%.
328,760 members against 336,824.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.56% | 0.97% | 0.90% | 93.69% |
| March 31, 2026 | 10.53% | 1.56% | 0.82% | 93.52% |
| December 31, 2025 | 10.30% | 3.85% | 0.95% | 93.66% |
| September 30, 2025 | 9.56% | 1.21% | 0.85% | 97.59% |
| June 30, 2025 | 9.30% | 1.14% | 0.87% | 95.57% |
| March 31, 2025 | 9.03% | 0.83% | 0.81% | 91.80% |
Scroll sideways to see every column.
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.