Truchoice

PORTLAND, ME · 1 · Charter #10100 · WWW.TRUFCU.COM
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
$248.5M
100th percentile
Members
12,581
82th percentile
Total loans
$208.5M
100th percentile
Total shares
$222.8M
100th percentile

Profitability

Return on assets
1.35%
69th percentile
Net interest margin
4.19%
79th percentile
Efficiency ratio
59.16%
61th percentile
Non-interest income ratio
21.21%
69th percentile

Capital & Risk

Net worth ratio
10.90%
34th percentile
Delinquency rate
2.00%
10th percentile
Net charge-off rate
0.44%
39th percentile
Loan-to-share
93.56%
91th percentile

Growth

Member growth YoY
-0.86%
47th percentile
Asset growth YoY
2.73%
40th percentile
Loan growth YoY
4.27%
67th percentile
Share growth YoY
4.52%
60th percentile

Operations

Members / branch
4,194
73th percentile
Assets / member
$19,753
83th percentile
Field of membership penetration
1.24%
19th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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