True Community

Jackson, MI · 2 · Charter #68718 · www.TrueCCU.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$932.7M
96th percentile
Members
81,647
99th percentile
Total loans
$696.6M
96th percentile
Total shares
$799.3M
96th percentile

Profitability

Return on assets
2.15%
97th percentile
Net interest margin
5.01%
98th percentile
Efficiency ratio
62.69%
34th percentile
Non-interest income ratio
29.11%
92th percentile

Capital & Risk

Net worth ratio
11.31%
57th percentile
Delinquency rate
1.73%
7th percentile
Net charge-off rate
0.94%
13th percentile
Loan-to-share
87.16%
68th percentile

Growth

Member growth YoY
0.55%
50th percentile
Asset growth YoY
5.92%
57th percentile
Loan growth YoY
0.93%
33th percentile
Share growth YoY
5.20%
55th percentile

Operations

Members / branch
5,443
65th percentile
Assets / member
$11,423
8th percentile
Field of membership penetration
0.81%
12th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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