Tru Fi Credit Union is a federally insured state-chartered credit union headquartered in Macclenny, Florida, in business for about 59 years. At the end of Q2 2026 it reported $146.4M in total assets and $127.3M in member shares and deposits, with 3 offices.
Based on its Q2 2026 filing, Tru Fi Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 15th. Its strongest component is problem-loan coverage (94/100; 2.8%), and its lowest is capital cushion (76/100; 12.61%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (86 → 84), mostly because the loan quality component weakened by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 79 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 86 |
| Q3 2025 | 88 |
| Q4 2025 | 89 |
| Q1 2026 | 88 |
| Q2 2026 | 84 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.11% |
| Q3 2024 | 11.43% |
| Q4 2024 | 11.56% |
| Q1 2025 | 11.48% |
| Q2 2025 | 11.83% |
| Q3 2025 | 12.28% |
| Q4 2025 | 12.72% |
| Q1 2026 | 12.47% |
| Q2 2026 | 12.61% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.20% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.19% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.07% |
| Q3 2025 | 0.07% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.11% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.96% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.09% |
| Q1 2025 | 1.45% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.86% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.71% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $146.4M | 12.61% | 0.60% | 1.71% | 67.7% |
| Q1 2026 | 88 | $142.8M | 12.47% | 0.11% | 1.70% | 69.5% |
| Q4 2025 | 89 | $135.9M | 12.72% | 0.10% | 1.86% | 72.4% |
| Q3 2025 | 88 | $135.5M | 12.28% | 0.07% | 1.85% | 72.6% |
| Q2 2025 | 86 | $134.1M | 11.83% | 0.07% | 1.65% | 69.8% |
| Q1 2025 | 83 | $132.8M | 11.48% | 0.08% | 1.45% | 70.9% |
| Q4 2024 | 80 | $128.5M | 11.56% | 0.19% | 1.09% | 69.7% |
| Q3 2024 | 79 | $126.2M | 11.43% | 0.24% | 1.16% | 68.4% |
| Q2 2024 | 77 | $125.3M | 11.11% | 0.20% | 0.96% | 67.2% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Florida West Coast Credit UnionCredit union Brandon, FL | 79 out of 100, Strong | $144.2M | 12.0% | 0.25% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |
| Baptist Health South Florida Federal Credit UnionCredit union Miami, FL | 71 out of 100, Strong | $140.2M | 11.0% | 0.62% | vs |
| Coastline Federal Credit UnionCredit union Jacksonville, FL | 70 out of 100, Strong | $136.2M | 11.6% | 0.41% | vs |
| Okaloosa County Teachers Federal Credit UnionCredit union Crestview, FL | 57 out of 100, Moderate | $135.3M | 9.5% | 1.39% | vs |
| Broward Healthcare Federal Credit UnionCredit union Fort Lauderdale, FL | 53 out of 100, Below average | $133.7M | 7.7% | 1.00% | vs |
Deposit insurance
Is my money safe at Tru Fi Credit Union?
Yes. Tru Fi Credit Union is a federally insured credit union (NCUA charter #68691). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 11.9% of shares and deposits ($15.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 12.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Tru Fi Credit Union lists 3 offices in 3 cities. Most locations:
- Baldwin, FL (1)
- Callahan, FL (1)
- Macclenny, FL (1)
Identity & history
Profile
- Legal name
- Tru Fi Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68691
- RSSD ID
- 726485
- Primary regulator
- State + NCUA
- Established
- 1967
- Headquarters
- 602 S 6th St, Macclenny, FL 32063
- Employees
- 33
Quick answers
Tru Fi Credit Union: common questions
Is Tru Fi Credit Union NCUA insured?
Yes. Tru Fi Credit Union is a federally insured credit union (NCUA charter #68691). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Tru Fi Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Tru Fi Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Macclenny
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southeastern BankBank Darien, GA | 86 out of 100, Very strong | $624.9M | 13.4% | 0.38% | vs |
| Alive Credit UnionCredit union Jacksonville, FL | 78 out of 100, Strong | $295.5M | 11.7% | 0.47% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Publix Employees Federal Credit UnionCredit union Lakeland, FL | 74 out of 100, Strong | $1.8B | 11.3% | 0.48% | vs |
| DLP BankBank Starke, FL | 74 out of 100, Strong | $301.4M | 15.3% | 1.45% | vs |
| Community First Credit Union of FloCredit union Jacksonville, FL | 73 out of 100, Strong | $3.2B | 12.3% | 0.63% | vs |