TellerScore

Headquartered in Newark, Ohio, Truecore Federal Credit Union is a federal credit union with $255.4M in total assets and $231.3M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1940.

Based on its Q2 2026 filing, Truecore Federal Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 192 credit unions headquartered in Ohio, it ranks 117th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 3% uninsured), and its lowest is capital cushion (43/100; 9.25%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.25%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity96/100
Loans ÷ shares: 64.0% · 2.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.89%

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 (66 → 67).

TellerScore
656768Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202468
Q4 202467
Q1 202567
Q2 202566
Q3 202566
Q4 202565
Q1 202666
Q2 202667
Net worth ratio
7.00%8.19%9.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.12%
Q3 20249.24%
Q4 20249.38%
Q1 20259.07%
Q2 20259.18%
Q3 20259.31%
Q4 20259.24%
Q1 20269.14%
Q2 20269.25%
Delinquent loans (60+ days)
0.25%0.41%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.25%
Q4 20240.38%
Q1 20250.35%
Q2 20250.46%
Q3 20250.41%
Q4 20250.58%
Q1 20260.38%
Q2 20260.46%
Return on assets
0.51%0.59%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.51%
Q4 20240.59%
Q1 20250.52%
Q2 20250.55%
Q3 20250.53%
Q4 20250.60%
Q1 20260.51%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$255.4M9.25%0.46%0.68%64.0%
Q1 202666$253.8M9.14%0.38%0.51%63.2%
Q4 202565$247.4M9.24%0.58%0.60%65.5%
Q3 202566$239.8M9.31%0.41%0.53%66.3%
Q2 202566$239.9M9.18%0.46%0.55%65.6%
Q1 202567$240.5M9.07%0.35%0.52%63.4%
Q4 202467$229.1M9.38%0.38%0.59%65.4%
Q3 202468$227.5M9.24%0.25%0.51%65.8%
Q2 202468$227.8M9.12%0.25%0.55%63.1%

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 ratio9.25%
16th
Problem loans0.46%
69th
Net charge-offs0.16%
76th
Return on assets0.68%
45th
Loans to deposits64.0%
72nd
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio2.9%
63rd

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Bridge Credit UnionCredit union Powell, OH64 out of 100, Moderate$256.8M10.2%0.75%vs
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
Midwest Community Federal Credit UnionCredit union Defiance, OH60 out of 100, Moderate$267.2M8.5%1.05%vs
Ohio Valley Community Federal Credit UnionCredit union Clarington, OH72 out of 100, Strong$243.6M13.4%1.59%vs
Quest Federal Credit UnionCredit union Kenton, OH60 out of 100, Moderate$237.5M8.8%0.94%vs
First Service Federal Credit UnionCredit union Groveport, OH72 out of 100, Strong$236.3M10.2%0.12%vs

Deposit insurance

Is my money safe at Truecore Federal Credit Union?

Yes. Truecore Federal Credit Union is a federally insured credit union (NCUA charter #4024). 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 2.9% of shares and deposits ($6.6M) 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 9.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Truecore Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Truecore Federal Credit Union reported 183 home-loan applications under HMDA (LEI 254900TFS12PFBK5FD47): 150 originated ($18,040,000 total), 17 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.9%, 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
Truecore Federal Credit Union
Type
Federal credit union
NCUA charter #
4024
RSSD ID
448077
Primary regulator
NCUA
Established
1940
Headquarters
215 Deo Dr, Newark, OH 43055
Employees
64

Quick answers

Truecore Federal Credit Union: common questions

Is Truecore Federal Credit Union NCUA insured?

Yes. Truecore Federal Credit Union is a federally insured credit union (NCUA charter #4024). 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 Truecore Federal Credit Union's TellerScore?

67 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 Truecore Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Newark

InstitutionScoreAssetsCapitalProblem loansCompare
C E S Credit UnionCredit union Mount Vernon, OH91 out of 100, Very strong$244.3M13.1%0.16%vs
First Bank of OhioBank Tiffin, OH90 out of 100, Very strong$278.4M35.5%0.26%vs
Harvest Federal Credit UnionCredit union Heath, OH84 out of 100, Strong$43.9M12.8%0.30%vs
Genesis Employees Credit UnionCredit union Zanesville, OH80 out of 100, Strong$22.2M14.4%1.61%vs
The Home Loan Savings BankBank Coshocton, OH77 out of 100, Strong$386.7M11.7%0.58%vs
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs