TellerScore

True North Federal Credit Union is a federal credit union headquartered in Juneau, Alaska, in business for about 78 years. At the end of Q2 2026 it reported $236.2M in total assets and $209.2M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, True North Federal Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 8 credit unions headquartered in Alaska, it ranks 7th. Its strongest component is problem-loan coverage (85/100; 7.7%), and its lowest is earnings (28/100; 0.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.19%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.87%
Earnings28/100
Return on assets (annualized): 0.19%
Funding & liquidity69/100
Loans ÷ shares: 90.8% · 6.9% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.67%

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 rose 4 points (54 → 58), mostly because the loan quality component improved by 19 points.

TellerScore
535862Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202456
Q1 202553
Q2 202554
Q3 202555
Q4 202562
Q1 202658
Q2 202658
Net worth ratio
7.00%8.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.47%
Q3 20249.65%
Q4 20249.65%
Q1 20259.53%
Q2 20259.69%
Q3 20259.82%
Q4 202510.15%
Q1 202610.19%
Q2 202610.19%
Delinquent loans (60+ days)
0.42%0.94%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.68%
Q4 20241.41%
Q1 20251.46%
Q2 20251.43%
Q3 20251.46%
Q4 20250.80%
Q1 20260.91%
Q2 20260.87%
Return on assets
0.19%0.45%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.61%
Q4 20240.71%
Q1 20250.41%
Q2 20250.49%
Q3 20250.60%
Q4 20250.62%
Q1 20260.22%
Q2 20260.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$236.2M10.19%0.87%0.19%90.8%
Q1 202658$237.1M10.19%0.91%0.22%82.9%
Q4 202562$237.5M10.15%0.80%0.62%83.4%
Q3 202555$236.8M9.82%1.46%0.60%83.5%
Q2 202554$234.4M9.69%1.43%0.49%84.5%
Q1 202553$245.9M9.53%1.46%0.41%82.7%
Q4 202456$234.7M9.65%1.41%0.71%87.2%
Q3 202462$230.9M9.65%0.68%0.61%89.1%
Q2 202461$228.5M9.47%0.42%0.30%89.2%

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).

Capital ratio10.19%
32nd
Problem loans0.87%
37th
Net charge-offs0.82%
15th
Return on assets0.19%
11th
Loans to deposits90.8%
15th
Uninsured deposits6.9%
40th
Loan-loss reserves0.00%
50th
Texas ratio7.7%
23rd

Similar-size credit unions in Alaska

InstitutionScoreAssetsCapitalProblem loansCompare
Northern Skies Federal Credit UnionCredit union Anchorage, AK73 out of 100, Strong$231.7M13.3%1.07%vs
Tongass Federal Credit UnionCredit union Ketchikan, AK73 out of 100, Strong$251.9M12.9%0.43%vs
Spirit of Alaska Federal Credit UnionCredit union Fairbanks, AK78 out of 100, Strong$200.5M14.8%1.16%vs
Matanuska Valley Federal Credit UnionCredit union Palmer, AK68 out of 100, Moderate$977.3M10.7%0.95%vs

Deposit insurance

Is my money safe at True North Federal Credit Union?

Yes. True North Federal Credit Union is a federally insured credit union (NCUA charter #5892). 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 6.9% of shares and deposits ($14.4M) 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 10.19%, 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

True North Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, True North Federal Credit Union reported 146 home-loan applications under HMDA (LEI 549300QWJ0FR6RCHNK90): 82 originated ($17,510,000 total), 46 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.5%, 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 North Federal Credit Union
Type
Federal credit union
NCUA charter #
5892
RSSD ID
358475
Primary regulator
NCUA
Established
1948
Headquarters
PO Box 34157, Juneau, AK 99803
Employees
67

Quick answers

True North Federal Credit Union: common questions

Is True North Federal Credit Union NCUA insured?

Yes. True North Federal Credit Union is a federally insured credit union (NCUA charter #5892). 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 North Federal Credit Union's TellerScore?

58 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 North Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Juneau

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank AlaskaBank Anchorage, AK77 out of 100, Strong$5.1B11.9%0.47%vs
First BankBank Ketchikan, AK76 out of 100, Strong$889.9M10.2%0.03%vs
Northrim BankBank Anchorage, AK69 out of 100, Moderate$3.4B10.3%0.89%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs