TellerScore

Truchoice Federal Credit Union is a federal credit union headquartered in Portland, Maine, in business for about 71 years. At the end of Q2 2026 it reported $257.4M in total assets and $231.1M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Truchoice Federal Credit Union scores 60/100, which we describe as moderate. That is higher than only 21% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 34th. Its strongest component is problem-loan coverage (75/100; 12.6%), and its lowest is loan quality (43/100; 1.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.09%
Loan quality43/100
Loans 60+ days delinquent ÷ total loans: 1.72%
Earnings66/100
Return on assets (annualized): 1.14%
Funding & liquidity71/100
Loans ÷ shares: 89.7% · 7.5% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.62%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 60).

TellerScore
556166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202458
Q4 202457
Q1 202565
Q2 202559
Q3 202566
Q4 202555
Q1 202665
Q2 202660
Net worth ratio
7.00%9.04%11.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.85%
Q3 202410.72%
Q4 202410.46%
Q1 202510.36%
Q2 202510.60%
Q3 202510.97%
Q4 202510.90%
Q1 202610.93%
Q2 202611.09%
Delinquent loans (60+ days)
0.82%1.41%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.25%
Q3 20241.74%
Q4 20241.72%
Q1 20250.82%
Q2 20251.51%
Q3 20251.01%
Q4 20252.00%
Q1 20260.96%
Q2 20261.72%
Return on assets
0.87%1.06%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.06%
Q4 20240.97%
Q1 20250.90%
Q2 20250.87%
Q3 20251.07%
Q4 20251.00%
Q1 20260.99%
Q2 20261.14%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$257.4M11.09%1.72%1.14%89.7%
Q1 202665$253.6M10.93%0.96%0.99%90.9%
Q4 202555$248.5M10.90%2.00%1.00%93.4%
Q3 202566$248.9M10.97%1.01%1.07%91.9%
Q2 202559$249.1M10.60%1.51%0.87%90.2%
Q1 202565$249.6M10.36%0.82%0.90%87.7%
Q4 202457$241.9M10.46%1.72%0.97%90.9%
Q3 202458$238.7M10.72%1.74%1.06%92.7%
Q2 202464$231.7M10.85%1.25%1.25%95.7%

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).

Capital ratio11.09%
46th
Problem loans1.72%
9th
Net charge-offs0.46%
39th
Return on assets1.14%
74th
Loans to deposits89.7%
18th
Uninsured deposits7.5%
34th
Loan-loss reserves0.00%
50th
Texas ratio12.6%
8th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Midcoast Federal Credit UnionCredit union Freeport, ME66 out of 100, Moderate$267.1M11.1%0.41%vs
Seaboard Federal Credit UnionCredit union Bucksport, ME57 out of 100, Moderate$246.4M8.9%1.42%vs
New Dimensions Federal Credit UnionCredit union Waterville, ME46 out of 100, Below average$244.1M7.9%1.54%vs
Norstate Federal Credit UnionCredit union Madawaska, ME58 out of 100, Moderate$280.0M11.6%1.74%vs
Maine Highlands Federal Credit UnionCredit union Dexter, ME56 out of 100, Moderate$230.1M10.9%2.32%vs
Maine Family Federal Credit UnionCredit union Lewiston, ME68 out of 100, Moderate$288.2M8.8%0.27%vs

Deposit insurance

Is my money safe at Truchoice Federal Credit Union?

Yes. Truchoice Federal Credit Union is a federally insured credit union (NCUA charter #10100). 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 7.5% of shares and deposits ($17.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.09%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Truchoice Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Truchoice Federal Credit Union reported 333 home-loan applications under HMDA (LEI 549300LGD38SS4PVFC71): 220 originated ($27,880,000 total), 24 denied, and 79 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Truchoice Federal Credit Union
Type
Federal credit union
NCUA charter #
10100
RSSD ID
699383
Primary regulator
NCUA
Established
1955
Headquarters
Po Box 10659, Portland, ME 04104
Employees
57

Quick answers

Truchoice Federal Credit Union: common questions

Is Truchoice Federal Credit Union NCUA insured?

Yes. Truchoice Federal Credit Union is a federally insured credit union (NCUA charter #10100). 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 Truchoice Federal Credit Union's TellerScore?

60 out of 100 (Moderate), 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 Truchoice Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Portland

InstitutionScoreAssetsCapitalProblem loansCompare
Gardiner Federal Credit UnionCredit union Gardiner, ME96 out of 100, Very strong$100.7M15.9%0.12%vs
Coast Line Credit UnionCredit union South Portland, ME94 out of 100, Very strong$89.2M19.1%0.22%vs
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs