Truliant Federal Credit Union
Winston Salem, NC·Charter 7840·cu:7840·Credit union RBC / net worth
- #3 of 57Total assets in North Carolina
- Top 2%Total assets in the U.S.
- 328.8Kmembers
- Top 5%Net interest margin vs. peers
- Top 6%Fee income vs. peers
- #4 of 18Business loan growth in North Carolina
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Truliant Federal Credit Union
2 of 24 FORFI signals stand out against 143 similar credit unions, based on NCUA data for the quarter.
Net worth ratio rising faster than peersStrength: Capital 2nd quarter10.56%peers 10.83%-0.3 pp
Truliant Federal Credit Union's net worth ratio rose 1.3 percentage points over the past year to 10.56%. Among 139 similar credit unions, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 10.56% | 10.83% | -0.3 pp |
| 12-month change | ||
| +1.3 pp | +0.2 pp | +1.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. Truliant Federal Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar credit unionsStrength: Earnings 2nd quarter1.93%peers 1.25%+68 bps
Truliant Federal Credit Union's noninterest income relative to average assets was 1.93%, compared with a median of 1.25% among 143 similar credit unions: higher than 94% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 1.93% | 1.25% | +68 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. Truliant Federal Credit Union itself is left out of every peer median and percentile. How signals work
Where Truliant Federal Credit Union differs most from peers
Reliance on share certificates falling while the peer median risesContext: Funding34.4%peers 30.3%+4.0 pp
Truliant Federal Credit Union's certificates' share of shares fell 2.9 percentage points over the past year to 34.4%. Among 139 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Certificates' share of shares | ||
| 34.4% | 30.3% | +4.0 pp |
| 12-month change | ||
| -2.9 pp | +0.3 pp | -3.1 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. Truliant Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Truliant Federal Credit Union is a federally chartered credit union headquartered in Winston Salem, North Carolina. It reported $5.6 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $4.9 billion, up 6.3% from a year earlier, and loans totaled $4.6 billion, up 4.2%.
- Its net interest margin on average assets was 4.31% and its annualized return on assets was 0.98% for the quarter.
- Its cost of all shares and deposits was 2.16%, compared with a median of 1.93% among 143 similar credit unions with $3 billion to $10 billion in assets.
- It served 328,760 members, down 2.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Truliant Federal Credit Union's own data, FORFI would look at: Which balance-sheet segments consume or release capital, relationship by relationship.
Analysis workspaces
Sources and identifiers
- Institution
- Truliant Federal Credit Union · Credit union
- NCUA charter
- 7840
- Reporting period
- Peer group
- 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. Truliant Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $13.57M | |
| $85.87M | |
| $26.38M | |
| $59.49M | |
| $26.67M | |
| $59.52M | |
| $13.08M | |
| $13.08M | |
| 0.98% | |
| 4.31% | |
| 69.07% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.