True Community Credit Union (NCUA charter #68718) is based in Jackson, Michigan. Its Q2 2026 call report shows $955.0M in total assets and $836.1M in member shares and deposits and 14 offices.
Based on its Q2 2026 filing, True Community Credit Union scores 63/100, which we describe as moderate. That is higher than only 29% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 142nd. Its strongest component is problem-loan coverage (79/100; 10.7%), and its lowest is loan quality (47/100; 1.59%).
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 (65 → 63), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 64 |
| Q2 2025 | 65 |
| Q3 2025 | 60 |
| Q4 2025 | 61 |
| Q1 2026 | 63 |
| Q2 2026 | 63 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.61% |
| Q3 2024 | 10.77% |
| Q4 2024 | 10.88% |
| Q1 2025 | 10.64% |
| Q2 2025 | 10.93% |
| Q3 2025 | 11.19% |
| Q4 2025 | 11.30% |
| Q1 2026 | 11.31% |
| Q2 2026 | 11.58% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.00% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.63% |
| Q4 2025 | 1.73% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.36% |
| Q1 2025 | 0.85% |
| Q2 2025 | 1.02% |
| Q3 2025 | 0.96% |
| Q4 2025 | 1.08% |
| Q1 2026 | 1.01% |
| Q2 2026 | 1.09% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $955.0M | 11.58% | 1.59% | 1.09% | 86.7% |
| Q1 2026 | 63 | $953.2M | 11.31% | 1.47% | 1.01% | 86.1% |
| Q4 2025 | 61 | $932.7M | 11.30% | 1.73% | 1.08% | 87.2% |
| Q3 2025 | 60 | $910.4M | 11.19% | 1.63% | 0.96% | 89.3% |
| Q2 2025 | 65 | $918.9M | 10.93% | 1.11% | 1.02% | 88.6% |
| Q1 2025 | 64 | $918.2M | 10.64% | 1.00% | 0.85% | 87.0% |
| Q4 2024 | 58 | $880.5M | 10.88% | 1.20% | 0.36% | 90.8% |
| Q3 2024 | 59 | $877.2M | 10.77% | 1.01% | 0.29% | 89.5% |
| Q2 2024 | 62 | $883.3M | 10.61% | 0.63% | 0.14% | 86.8% |
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 Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tlc Community Credit UnionCredit union Adrian, MI | 90 out of 100, Very strong | $950.2M | 14.5% | 0.14% | vs |
| Alpena-Alcona Area Credit UnionCredit union Alpena, MI | 77 out of 100, Strong | $975.7M | 12.2% | 0.85% | vs |
| Members First Credit UnionCredit union Midland, MI | 63 out of 100, Moderate | $905.4M | 9.2% | 0.65% | vs |
| Arbor Financial Credit UnionCredit union Kalamazoo, MI | 55 out of 100, Moderate | $899.0M | 10.6% | 1.81% | vs |
| Pfcu Credit UnionCredit union Portland, MI | 77 out of 100, Strong | $873.2M | 11.3% | 0.37% | vs |
| Team One Credit UnionCredit union Saginaw, MI | 66 out of 100, Moderate | $765.9M | 9.9% | 0.64% | vs |
Deposit insurance
Is my money safe at True Community Credit Union?
Yes. True Community Credit Union is a federally insured credit union (NCUA charter #68718). 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 1.4% of shares and deposits ($11.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 11.58%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
14 locations
Branches
True Community Credit Union lists 14 offices in 10 cities. Most locations:
- Jackson, MI (5)
- Brooklyn, MI (1)
- Dearborn, MI (1)
- Grass Lake, MI (1)
- Livonia, MI (1)
- Mason, MI (1)
- Parma, MI (1)
- Saline, MI (1)
- Westland, MI (1)
- Ypsilanti, MI (1)
HMDA 2025
Mortgage lending
In 2025, True Community Credit Union reported 712 home-loan applications under HMDA (LEI 549300VFL91481SLWI91): 515 originated ($54,065,000 total), 139 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.1%, 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
- True Community Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68718
- RSSD ID
- 263681
- Primary regulator
- State + NCUA
- Established
- 1953
- Headquarters
- 1100 Clinton Rd, Jackson, MI 49202
- Employees
- 220
Quick answers
True Community Credit Union: common questions
Is True Community Credit Union NCUA insured?
Yes. True Community Credit Union is a federally insured credit union (NCUA charter #68718). 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 True Community Credit Union's TellerScore?
63 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 True Community Credit Union have?
14 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Jackson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Tlc Community Credit UnionCredit union Adrian, MI | 90 out of 100, Very strong | $950.2M | 14.5% | 0.14% | vs |
| Consumers Professional Credit UnionCredit union Lansing, MI | 81 out of 100, Strong | $149.7M | 16.8% | 1.28% | vs |
| Aeroquip Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $51.6M | 15.8% | 0.62% | vs |
| South Central Credit UnionCredit union Jackson, MI | 78 out of 100, Strong | $84.6M | 14.2% | 0.56% | vs |
| Chelsea State BankBank Chelsea, MI | 75 out of 100, Strong | $416.5M | 12.8% | 1.33% | vs |
| Lafcu Credit UnionCredit union Lansing, MI | 72 out of 100, Strong | $1.1B | 20.7% | 1.24% | vs |