# TRUSTAR
INTERNATIONAL F, MN · NCUA charter 24626 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/trustar-24626

Who the members are: federal charter, community charter, organized 1960, low-income designated. 19,213 members of 107,750 potential (17.8% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $374.2M |
| Members | 19,213 (2.9% YoY) |
| Full-time staff | 89 |
| Net worth | $56.7M |
| Net worth ratio | 15.2% (p90 of band) |
| ROA (annualized) | 1.35% (p86 of band) |
| Total delinquency | 0.18% (p11 of band) |
| Net charge-offs (annualized) | 0.04% (p8 of band) |
| Loans / shares | 88% (p83 of band) |
| Cash / assets | 17.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.30% (p88 of band) |
| Operating expense / assets | 4.16% (p70 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.39% (p35 of band) |
| Vehicle NCO | 0.24% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 108% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 15% |
| Average share balance | $7,356 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $28,145 |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 19% |
| Average loan balance | $23,565 |
| Loans granted, annualized | $127.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $28,145 outstanding purchased (0.0% of net worth), $167,707 sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-02-07 [TruStar announces plans for growth, expansion - Pioneer Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONEw3U3J3V1E3UTdGREFfZjh1VERvZWMzbEdnRnFDWGJlSm5JMk84OHdPR3d0TlV1U0gyQm4zYk5xSVdHZGt2a01EUDNWMnltSzM3SmtNZEpQcE5aNVliRVBGei1Ga0ZUeEpKZ0xaZHo4TkxJTEFNdVV5S3JZb29OSk9yWjNZYkpWSFNj?oc=5) · Pioneer Press
- 2020-12-12 [NEW VICE PRESIDENT AT TRUSTAR FEDERAL CREDIT UNION - Bemidji Pioneer](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRFIxOHJSWlcyNW12b3E2d3o2LTJNWGhwRmdqaFdXN1d0UjBMd3JjNVlaVXkzeGhXYktEYjBHdlctTjd6b19Wd25OdF9qdFN6NDFrdVZtLS11c0xaLWE3Wk5zeVNXNjVxN3JOQU55ZkVsWjBwOTc3U0ZxYVNZX253bjBpWDJpY0RSUExZSVNDcnM1cm1DUnFwbG9qRXgyeTJ5UTF6aA?oc=5) · Bemidji Pioneer
- 2023-05-24 [NEW VICE PRESIDENT OF REAL ESTATE LENDING NAMED AT TRUSTAR FEDERAL CREDIT UNION - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMimAJBVV95cUxNQ3p4am1rRkhtRWJZUmdCOHg4WVdtTGMtNGVoek9DUWRPTG11bUlKYWk2Y21qZEJSeS1PUDVjVWRZTUtTWGsyWWF6TGM2VDNybElrYkFLTUNDSXgyaVZEU2szcHNYY2xQTmNOUE5FUk5ubmNta2NUX0NFWGkyQlFZdlR5VjliT0d0YTJwSXhuSTlxc241emFNUFBjVDNlejhaRnVadTg4TThwNW5URlY1QWpwMndlckxJc1c3aW9TMS1ReW9qekVrblNwNlNYZTVCcC1OUExyQ1pxOVpOR0kxNHJXMnVpMVdxc2ljdkxlc1F1ZjZlN2tNZi1IZVpwREZkd2Qwci1wMkhLcndYdGhMYUtPT1pVRS1N?oc=5) · Park Rapids Enterprise
- 2024-02-28 [TruStar Federal Credit Union Patronage Dividend 2024 - Bemidji Pioneer](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQVXNoamg2RjRRUEVwak4yWkhkbjNUQXEyU3p0cV8zZG0zQVJFbm0yczNTMFktNXA5V0Nocm9qbTNmck1ablBhaGl5ZXlwamFxODZyX19JZmtHc2l0QzQ0VTVSYnFVaVlwcE94UkV1cGRBVEk1cmVlSUlPd19wU2dQQklDLUFEMGdjaTJXd2pDSktRV3dCMjVmOFZhRFREbGtjTGtFTUF5c2dfbXY3bFh0b2dYdF9hTjlIZGNRQlRqWG9OTEdBdGJHemdyNXBKMW9IcDBESElMR1RNODR1VldSMWhDTGNSbEVWUUJVVA?oc=5) · Bemidji Pioneer
- 2024-05-29 [New Business Services Loan Officer at TruStar Federal Credit Union - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMihwJBVV95cUxPMDE1cThBZnJsX2pSYmNxd1VvZHpXV1ZBUjhSZThPUlVMZVN5OHhfYTVKNnFjdzVYa2hReXRtX19hbTVSWEd0Nk9xWmctX2VuMDdDYjBmMUp2SWpfS2ltdjI1SG9hb0c2Z3lLcDZHcTdINFdEWmI2Xzh2dGtNZmZIMHlFTGRweEFJNExRdzRZXzgzRTFxSGlrTnJkTjUyd3VWWUxGR1VTRHdWcFA4SGVsbTlDUER6d0U4WGtRN1ZTejY0ZmItRWNTM0tQb2dwamFKMEpxOVctYU4zWnhwQWhEVHpQTDgzRXlrYWRDaWFZNUVlUGJzb2g5TEdoejNMaWU2RjlBNDBsOA?oc=5) · Park Rapids Enterprise
- 2022-12-31 [TruStar Federal Credit Union donates to Bemidji Community Food Shelf - Bemidji Pioneer](https://news.google.com/rss/articles/CBMirgFBVV95cUxOc3BUTHdISTZXWFpjRTFnOFFJdy1fMFNuUDZEY3NEd1hOS1Y0dEVld0hsb2NiT0dKNUMyM3d0a2N1REJZU2dnMkdsdXhpTmN4a3VvdFU0eENKYi01ckFsOWc5T01lYlppdFNwVHktNjlLdmh0WjlaUXBrUnczdXJwbVpCaGZYMWVXX1BUNFVycUZQVzFJSG9mNUN5UzVPdlpBR3g0dkVGVlR0Uk16UGc?oc=5) · Bemidji Pioneer
- 2025-07-10 [Hubbard County investments are ‘doing well’ - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMikwFBVV95cUxOcWhGM3o0YTdhYjl1dUhXaG9tU1RRUll6MUYxVWRZVjBTZ0F3MllxRy1jNm9oeU1jZURHMENFd2s4QlFOOHFtSnZocTdDM2NMZmpwVTJzZHZ2VjB5Nk1MVEYyTUV5MzRnaHEtOXV5cVByakpmWHktVXQ1alR4MW9mRy1La2ZrWlZWWHhMZXhSa0RoMnM?oc=5) · Park Rapids Enterprise
- 2009-05-09 [Trustar breaks ground for additional location - Bemidji Pioneer](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNX3d6dUFScWtMSDhQTVVveFZ3Z3NsUWl6cDhjYlB0Q1ptQnE4RFppbEFsY0I2OTNwT21Rb3pVLTNPbVJZWkN0WXFabld4bDVlM0pUMk5hdk9PelhTNXctclFjT0xKaVNDeVh0UUZUN3N5TURHRTBrb0s4RXlHeG5tNXlrM09MUUND?oc=5) · Bemidji Pioneer

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24626 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/50.json (key "24626", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24626
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide