TellerScore

Trunorth Federal Credit Union is a federal credit union headquartered in Ishpeming, Michigan, in business for about 77 years. At the end of Q2 2026 it reported $203.5M in total assets and $184.0M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, Trunorth Federal Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 77th. Its strongest component is funding & liquidity (98/100; 63% loans-to-deposits, 3% uninsured), and its lowest is capital cushion (52/100; 10.21%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.21%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings58/100
Return on assets (annualized): 0.95%
Funding & liquidity98/100
Loans ÷ shares: 62.5% · 3.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.76%

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 (70 → 74), mostly because the earnings component improved by 23 points.

TellerScore
646974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202466
Q1 202567
Q2 202570
Q3 202571
Q4 202571
Q1 202672
Q2 202674
Net worth ratio
7.00%8.61%10.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.58%
Q3 20248.73%
Q4 20249.03%
Q1 20259.07%
Q2 20259.61%
Q3 20259.79%
Q4 20259.84%
Q1 20269.74%
Q2 202610.21%
Delinquent loans (60+ days)
0.04%0.18%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.04%
Q4 20240.08%
Q1 20250.18%
Q2 20250.10%
Q3 20250.10%
Q4 20250.27%
Q1 20260.24%
Q2 20260.31%
Return on assets
0.14%0.54%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.14%
Q3 20240.18%
Q4 20240.16%
Q1 20250.28%
Q2 20250.37%
Q3 20250.48%
Q4 20250.60%
Q1 20260.83%
Q2 20260.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$203.5M10.21%0.31%0.95%62.5%
Q1 202672$203.4M9.74%0.24%0.83%58.7%
Q4 202571$197.1M9.84%0.27%0.60%60.6%
Q3 202571$193.2M9.79%0.10%0.48%61.7%
Q2 202570$193.3M9.61%0.10%0.37%61.2%
Q1 202567$202.3M9.07%0.18%0.28%61.6%
Q4 202466$201.8M9.03%0.08%0.16%64.9%
Q3 202465$208.1M8.73%0.04%0.18%66.0%
Q2 202464$210.3M8.58%0.11%0.14%66.0%

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 ratio10.21%
32nd
Problem loans0.31%
81st
Net charge-offs0.15%
78th
Return on assets0.95%
63rd
Loans to deposits62.5%
74th
Uninsured deposits3.4%
78th
Loan-loss reserves0.00%
50th
Texas ratio1.8%
79th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Awakon Federal Credit UnionCredit union Onaway, MI71 out of 100, Strong$202.7M13.5%1.86%vs
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U.P. State Credit UnionCredit union Escanaba, MI79 out of 100, Strong$210.3M13.2%1.10%vs
Polish-American Federal Credit UnionCredit union Troy, MI72 out of 100, Strong$195.1M12.8%1.37%vs
Aac Credit UnionCredit union Grand Rapids, MI90 out of 100, Very strong$212.4M24.2%0.36%vs
Downriver Community Federal Credit UnionCredit union Ecorse, MI70 out of 100, Strong$193.2M10.5%0.52%vs

Deposit insurance

Is my money safe at Trunorth Federal Credit Union?

Yes. Trunorth Federal Credit Union is a federally insured credit union (NCUA charter #6332). 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 3.4% of shares and deposits ($6.3M) 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 10.21%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Trunorth Federal Credit Union
Type
Federal credit union
NCUA charter #
6332
RSSD ID
788184
Primary regulator
NCUA
Established
1949
Headquarters
1419 N Second St, Ishpeming, MI 49849
Employees
43

Quick answers

Trunorth Federal Credit Union: common questions

Is Trunorth Federal Credit Union NCUA insured?

Yes. Trunorth Federal Credit Union is a federally insured credit union (NCUA charter #6332). 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 Trunorth Federal Credit Union's TellerScore?

74 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 Trunorth Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ishpeming

InstitutionScoreAssetsCapitalProblem loansCompare
Marquette Community Federal Credit UnionCredit union Marquette, MI92 out of 100, Very strong$117.0M14.9%0.85%vs
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
Embers Credit UnionCredit union Marquette, MI76 out of 100, Strong$621.8M12.1%0.64%vs
Upper Peninsula State BankBank Escanaba, MI72 out of 100, Strong$371.7M13.4%1.09%vs
Honor Credit UnionCredit union Berrien Springs, MI70 out of 100, Strong$1.9B12.2%0.92%vs