TellerScore

Trugrocer Federal Credit Union (NCUA charter #17127) is based in Boise, Idaho. Its Q2 2026 call report shows $320.1M in total assets and $267.8M in member shares and deposits and 7 offices across 6 states.

Based on its Q2 2026 filing, Trugrocer Federal Credit Union scores 73/100, which we describe as strong. That is higher than 60% of 1,341 credit unions with $100 million – $1 billion. Among 26 credit unions headquartered in Idaho, it ranks 9th. Its strongest component is capital cushion (100/100; 16.03%), and its lowest is earnings (0/100; -0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.03%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.81%
Earnings0/100
Return on assets (annualized): -0.85%
Funding & liquidity100/100
Loans ÷ shares: 57.3% · 9.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.43%

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 (75 → 73), mostly because the earnings component weakened by 10 points.

TellerScore
737679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202476
Q1 202574
Q2 202575
Q3 202575
Q4 202579
Q1 202675
Q2 202673
Net worth ratio
7.00%11.96%16.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.31%
Q3 202416.92%
Q4 202416.61%
Q1 202516.42%
Q2 202516.78%
Q3 202516.64%
Q4 202516.65%
Q1 202616.20%
Q2 202616.03%
Delinquent loans (60+ days)
0.48%0.65%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.57%
Q3 20240.68%
Q4 20240.62%
Q1 20250.69%
Q2 20250.76%
Q3 20250.73%
Q4 20250.48%
Q1 20260.56%
Q2 20260.81%
Return on assets
-1.19%-0.63%-0.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.38%
Q3 2024-0.16%
Q4 2024-0.25%
Q1 2025-0.42%
Q2 2025-0.25%
Q3 2025-0.32%
Q4 2025-0.07%
Q1 2026-1.19%
Q2 2026-0.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$320.1M16.03%0.81%-0.85%57.3%
Q1 202675$319.4M16.20%0.56%-1.19%56.1%
Q4 202579$316.5M16.65%0.48%-0.07%57.7%
Q3 202575$313.9M16.64%0.73%-0.32%58.8%
Q2 202575$313.6M16.78%0.76%-0.25%58.5%
Q1 202574$320.7M16.42%0.69%-0.42%55.8%
Q4 202476$319.2M16.61%0.62%-0.25%58.0%
Q3 202477$316.4M16.92%0.68%-0.16%60.2%
Q2 202476$326.6M16.31%0.57%-0.38%57.8%

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).

Capital ratio16.03%
90th
Problem loans0.81%
41st
Net charge-offs0.26%
63rd
Return on assets-0.85%
1st
Loans to deposits57.3%
81st
Uninsured deposits9.0%
22nd
Loan-loss reserves0.00%
50th
Texas ratio2.4%
70th

Similar-size credit unions in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Lookout Federal Credit UnionCredit union Pocatello, ID49 out of 100, Below average$313.7M7.6%1.36%vs
Advantage Plus Federal Credit UnionCredit union Pocatello, ID64 out of 100, Moderate$292.4M9.7%0.36%vs
Cottonwood Community Federal Credit UnionCredit union Cottonwood, ID81 out of 100, Strong$285.5M14.9%1.39%vs
Lewis Clark Credit UnionCredit union Lewiston, ID67 out of 100, Moderate$270.4M11.0%0.62%vs
Connections Credit UnionCredit union Pocatello, ID50 out of 100, Below average$256.1M8.5%1.27%vs
Clarity Credit UnionCredit union Nampa, ID59 out of 100, Moderate$235.6M9.7%0.99%vs

Deposit insurance

Is my money safe at Trugrocer Federal Credit Union?

Yes. Trugrocer Federal Credit Union is a federally insured credit union (NCUA charter #17127). 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 9.0% of shares and deposits ($24.0M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Trugrocer Federal Credit Union lists 7 offices in 7 cities across 6 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Trugrocer Federal Credit Union reported 19 home-loan applications under HMDA (LEI 254900FLY5OAGDXADY25): 14 originated ($4,230,000 total), 2 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.5%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Classic16.90%$0$251.0%

All Trugrocer Federal Credit Union card terms

Identity & history

Profile

Legal name
Trugrocer Federal Credit Union
Type
Federal credit union
NCUA charter #
17127
RSSD ID
74980
Primary regulator
NCUA
Established
1965
Headquarters
PO Box 8145, Boise, ID 83707
Employees
79

Quick answers

Trugrocer Federal Credit Union: common questions

Is Trugrocer Federal Credit Union NCUA insured?

Yes. Trugrocer Federal Credit Union is a federally insured credit union (NCUA charter #17127). 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 Trugrocer Federal Credit Union's TellerScore?

73 out of 100 (Strong), 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 Trugrocer Federal Credit Union have?

7 offices as of the latest NCUA data, in 6 states.