# TRU FI
Macclenny, FL · NCUA charter 68691 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tru-fi-68691

Who the members are: state charter, organized 1967, low-income designated. 8,031 members of 170,123 potential (4.7% of the field); checking penetration 76% (share draft accounts per 100 members); loans per 100 members 1342.

**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 | $142.8M |
| Members | 8,031 (2.9% YoY) |
| Full-time staff | 30 |
| Net worth | $17.8M |
| Net worth ratio | 12.5% (p60 of band) |
| ROA (annualized) | 1.70% (p91 of band) |
| Total delinquency | 0.11% (p8 of band) |
| Net charge-offs (annualized) | 0.13% (p25 of band) |
| Loans / shares | 70% (p49 of band) |
| Cash / assets | 13.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.03% (p73 of band) |
| Operating expense / assets | 3.87% (p58 of band) |
| Vehicles % of loans | 29% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 28% (p49 of band) |
| Vehicle delinquency | 0.31% (p30 of band) |
| Vehicle NCO | 0.75% (p64 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 45% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 35% |
| Average share balance | $7,579 |
| Participations bought / yr | $1.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $2.5M |
| Loans outstanding per 100 members | 1342% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $799 |
| Loans granted, annualized | $24.6M |

## Participation posture (from the same filings)

Bought $1.6M and sold $0 in the latest annualized quarter; $2.5M outstanding purchased (13.8% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 5.6% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-06 | 1 | thin capital |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2020-03 | 2 | margin squeeze, delinquency rising |  |
| 2020-06 | 4 | net worth falling, delinquency 2x band |  |
| 2020-09 | 2 |  | delinquency rising, net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | thin capital, net worth falling, charge-offs p90 | delinquency 2x band |
| 2021-06 | 4 | delinquency 2x band | charge-offs p90 |
| 2021-09 | 4 | loan book shrinking | net worth falling |
| 2021-12 | 2 |  | margin squeeze, loan book shrinking |
| 2022-03 | 2 | members leaving | delinquency 2x band |
| 2022-06 | 3 | delinquency 2x band |  |
| 2022-09 | 1 |  | members leaving, delinquency 2x band |
| 2022-12 | 0 |  | thin capital |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-06-04 [TRU-FI breaks ground for new branch - Nassau County Record](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM1VOVzBYclVDUEUwN1pScG11LUtKOGpIWVd4V3pQcnpscE9BR0ZPS1FWRFRmaHRrd3I2S1lJd0IxeEFvU3NjWXQzUm9PMFZNajhFME1FZGlnMDNWeENBbUIyOWVtaXc5eGNGdHU0TGlRYTZob0o5bDdCdkxZNDNKZlYzZmZfd2JLMmsw?oc=5) · Nassau County Record
- 2026-07-16 [Jacksonville-area credit unions buoy commercial loan portfolios 10% in Q1 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQMzYxOXZpMVBHTnVsczBKdkQ3UmZqX0ZjTXBRbmVraWVybkFQeUVQREsyeGg3blJVaW8yR2Jta09nRTVPWVpaNVFQUFlYTlE5cGpfLWhQeHk1OUxnejB3c2hoVXNuM0Q1TDB2ZVdxMXRzT0Z2c3BhRDlPM19aSFVGcW4tUFYyUmpuRVNvX1lUZFp0dHdCNll2X2hzb000dHA4S1ZB?oc=5) · The Business Journals
- 2026-08-03 [VyStar brings on industry strategist to advance innovation, partnership efforts - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNSlpiOWFBMEJZQ3VGNmhrb285dkNuQnVOVThEdG1fRzVmTkVORmFNVU5VWS1VbGNTTmdRTnFOVzZoU052aVlUT0xVY0d3UEl2VHE1Y2VocFpCdHp3U214UWZ1WlktSW9mekg4UFFWaWUxdk1XQnZKMExITVFQazYzRTJpMmlCZXdWUWcwOFh2TXRYS1JwWjN4RUZ6bw?oc=5) · The Business Journals
- 2026-04-16 [Community First takes top seed among fastest-growing First Coast credit unions - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQdFo2UXNMU0FRV0VTWE1YM1NnMU1qTzIycnN1YmdpbHFOQVdrZ0p4d1lHRzFYTXItU3ZwYm80Y2JuMUxQYjg1QXZBOWxTcjNhQnVlUEtyUS1GYkRmcUxGWHhEQi1aOVRVQjMwYjMxT0ozd2xfY25xaFRsUVlKb1EzYm8zVy1fajV0WDRiS3lxRURVT2V6UkVLbzNEOFdURXpQdGkxQ3l3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68691 (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/19.json (key "68691", 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=68691
- 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