Truenergy

SPRINGFIELD, VA · 1 · Charter #3323 · www.truenergyfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$124.7M
60th percentile
Members
7,879
53th percentile
Total loans
$92.5M
72th percentile
Total shares
$108.7M
62th percentile

Profitability

Return on assets
0.71%
29th percentile
Net interest margin
3.79%
57th percentile
Efficiency ratio
67.29%
35th percentile
Non-interest income ratio
14.30%
36th percentile

Capital & Risk

Net worth ratio
12.60%
55th percentile
Delinquency rate
2.00%
10th percentile
Net charge-off rate
0.64%
22th percentile
Loan-to-share
85.09%
80th percentile

Growth

Member growth YoY
-2.81%
26th percentile
Asset growth YoY
-1.43%
13th percentile
Loan growth YoY
1.18%
49th percentile
Share growth YoY
-2.01%
13th percentile

Operations

Members / branch
7,879
95th percentile
Assets / member
$15,831
61th percentile
Field of membership penetration
46.35%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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