TellerScore

Headquartered in International F, Minnesota, Trustar Federal Credit Union is a federal credit union with $376.7M in total assets and $313.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1960.

Based on its Q2 2026 filing, Trustar Federal Credit Union scores 88/100, which we describe as very strong. That is higher than 92% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 8th. Its strongest component is capital cushion (100/100; 15.42%), and its lowest is funding & liquidity (70/100; 90% loans-to-deposits, 9% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.42%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity70/100
Loans ÷ shares: 90.0% · 9.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.77%

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 3 points (85 → 88), mostly because the loan quality component improved by 12 points.

TellerScore
828689Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202486
Q4 202482
Q1 202586
Q2 202585
Q3 202585
Q4 202585
Q1 202689
Q2 202688
Net worth ratio
7.00%11.21%15.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.08%
Q3 202414.93%
Q4 202414.91%
Q1 202514.78%
Q2 202515.17%
Q3 202515.15%
Q4 202515.15%
Q1 202615.15%
Q2 202615.42%
Delinquent loans (60+ days)
0.18%0.46%0.73%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.53%
Q3 20240.39%
Q4 20240.53%
Q1 20250.34%
Q2 20250.73%
Q3 20250.72%
Q4 20250.37%
Q1 20260.18%
Q2 20260.36%
Return on assets
0.84%1.14%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.14%
Q3 20241.18%
Q4 20240.84%
Q1 20251.13%
Q2 20251.36%
Q3 20251.44%
Q4 20251.16%
Q1 20261.35%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$376.7M15.42%0.36%1.42%90.0%
Q1 202689$374.2M15.15%0.18%1.35%87.7%
Q4 202585$365.6M15.15%0.37%1.16%89.1%
Q3 202585$363.6M15.15%0.72%1.44%86.2%
Q2 202585$353.2M15.17%0.73%1.36%84.7%
Q1 202586$353.0M14.78%0.34%1.13%82.6%
Q4 202482$343.2M14.91%0.53%0.84%85.7%
Q3 202486$343.6M14.93%0.39%1.18%86.3%
Q2 202484$332.7M15.08%0.53%1.14%88.8%

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 ratio15.42%
87th
Problem loans0.36%
77th
Net charge-offs0.07%
89th
Return on assets1.42%
86th
Loans to deposits90.0%
17th
Uninsured deposits9.2%
21st
Loan-loss reserves0.00%
50th
Texas ratio1.8%
79th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
My Credit UnionCredit union Bloomington, MN51 out of 100, Below average$366.4M9.4%1.23%vs
Sharepoint Credit UnionCredit union Bloomington, MN68 out of 100, Moderate$360.1M11.8%1.02%vs
First Alliance Credit UnionCredit union Rochester, MN67 out of 100, Moderate$358.5M9.9%1.19%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs
Co-Op Credit Union of MontevideoCredit union Montevideo, MN69 out of 100, Moderate$422.8M15.8%3.18%vs
Minnesota Valley Federal Credit UnionCredit union Mankato, MN77 out of 100, Strong$329.0M11.5%0.56%vs

Deposit insurance

Is my money safe at Trustar Federal Credit Union?

Yes. Trustar Federal Credit Union is a federally insured credit union (NCUA charter #24626). 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 9.2% of shares and deposits ($28.8M) 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 15.42%, well 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

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

  • Bemidji, MN (1)
  • International Falls, MN (1)
  • Park Rapids, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Trustar Federal Credit Union
Type
Federal credit union
NCUA charter #
24626
RSSD ID
631196
Primary regulator
NCUA
Established
1960
Headquarters
601 4th St, International F, MN 56649
Employees
94

Quick answers

Trustar Federal Credit Union: common questions

Is Trustar Federal Credit Union NCUA insured?

Yes. Trustar Federal Credit Union is a federally insured credit union (NCUA charter #24626). 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 Trustar Federal Credit Union's TellerScore?

88 out of 100 (Very 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 Trustar Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near International F

InstitutionScoreAssetsCapitalProblem loansCompare
National Bank of CommerceBank Superior, WI70 out of 100, Strong$2.2B9.3%0.64%vs
Old National BankBank Evansville, IN59 out of 100, Moderate$73.9B8.8%0.92%vs
Border BankBank Fargo, ND57 out of 100, Moderate$1.1B9.1%1.07%vs