TellerScore

Headquartered in Springfield, Virginia, Truenergy Federal Credit Union is a federal credit union with $125.7M in total assets and $109.6M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1939.

Truenergy Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 51st. Problem-loan coverage contributes the most (90/100, 4.8%); earnings contributes the least (31/100, 0.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.55%
Loan quality75/100
Loans 60+ days delinquent ÷ total loans: 0.74%
Earnings31/100
Return on assets (annualized): 0.28%
Funding & liquidity75/100
Loans ÷ shares: 85.2% · 7.7% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.83%

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 5 points (63 → 68), mostly because the loan quality component improved by 11 points.

TellerScore
485868Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202453
Q3 202457
Q4 202448
Q1 202564
Q2 202563
Q3 202562
Q4 202555
Q1 202666
Q2 202668
Net worth ratio
7.00%9.86%12.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.56%
Q3 202412.65%
Q4 202412.40%
Q1 202512.17%
Q2 202512.37%
Q3 202512.71%
Q4 202512.59%
Q1 202612.18%
Q2 202612.55%
Delinquent loans (60+ days)
0.74%1.45%2.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.78%
Q3 20241.36%
Q4 20242.17%
Q1 20251.04%
Q2 20251.09%
Q3 20251.42%
Q4 20252.00%
Q1 20260.87%
Q2 20260.74%
Return on assets
-2.01%-0.84%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-2.01%
Q3 2024-1.30%
Q4 2024-1.16%
Q1 20250.09%
Q2 20250.02%
Q3 20250.19%
Q4 20250.09%
Q1 20260.32%
Q2 20260.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$125.7M12.55%0.74%0.28%85.2%
Q1 202666$129.0M12.18%0.87%0.32%83.6%
Q4 202555$124.7M12.59%2.00%0.09%85.1%
Q3 202562$124.1M12.71%1.42%0.19%85.5%
Q2 202563$126.1M12.37%1.09%0.02%80.8%
Q1 202564$128.3M12.17%1.04%0.09%79.5%
Q4 202448$126.5M12.40%2.17%-1.16%82.4%
Q3 202457$126.0M12.65%1.36%-1.30%83.8%
Q2 202453$126.6M12.56%1.78%-2.01%83.4%

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 ratio12.55%
65th
Problem loans0.74%
46th
Net charge-offs0.40%
44th
Return on assets0.28%
16th
Loans to deposits85.2%
28th
Uninsured deposits7.7%
32nd
Loan-loss reserves0.00%
50th
Texas ratio4.8%
41st

Similar-size credit unions in Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
N a E Federal Credit UnionCredit union Chesapeake, VA81 out of 100, Strong$125.9M16.0%0.36%vs
Jackson River Community Credit UnionCredit union Covington, VA87 out of 100, Very strong$132.6M15.9%1.41%vs
Healthcare Systems Federal Credit UnionCredit union Falls Church, VA73 out of 100, Strong$135.5M11.4%0.49%vs
Peoples Advantage Federal Credit UnionCredit union Petersburg, VA72 out of 100, Strong$115.3M22.1%3.09%vs
Roanoke Valley Community Federal Credit UnionCredit union Roanoke, VA89 out of 100, Very strong$107.4M16.3%0.34%vs
Celco Community Federal Credit UnionCredit union Narrows, VA85 out of 100, Very strong$143.9M20.9%1.33%vs

Deposit insurance

Is my money safe at Truenergy Federal Credit Union?

Yes. Truenergy Federal Credit Union is a federally insured credit union (NCUA charter #3323). 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 7.7% of shares and deposits ($8.5M) 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 12.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Truenergy Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Truenergy Federal Credit Union
Type
Federal credit union
NCUA charter #
3323
RSSD ID
575179
Primary regulator
NCUA
Established
1939
Headquarters
6801 Industrial Rd, Springfield, VA 22151
Employees
23

Quick answers

Truenergy Federal Credit Union: common questions

Is Truenergy Federal Credit Union NCUA insured?

Yes. Truenergy Federal Credit Union is a federally insured credit union (NCUA charter #3323). 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 Truenergy Federal Credit Union's TellerScore?

68 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 Truenergy Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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