Trustone Financial Credit Union
Plymouth, MN·Charter 68722·cu:68722·CCULR opted in
- #1 of 80Total assets in Minnesota
- Top 2%Total assets in the U.S.
- 221.4Kmembers
- Top 10%Efficiency in the U.S.
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 Trustone Financial Credit Union
1 of 24 FORFI signals stand out against 143 similar credit unions, based on NCUA data for the quarter.
Net charge-offs rising faster than peersWorth a look: Asset quality1.30%peers 0.52%+78 bps
Trustone Financial Credit Union's annualized net charge-off rate rose 115 bps over the past year to 1.30%. Among 139 similar credit unions, the median rose 1 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized net charge-off rate | ||
| 1.30% | 0.52% | +78 bps |
| 12-month change | ||
| +115 bps | +1 bps | +114 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. Trustone Financial Credit Union itself is left out of every peer median and percentile. How signals work
Where Trustone Financial Credit Union differs most from peers
Borrowed funding rising while the peer median holds steadyContext: Funding13.3%peers 2.8%+10.6 pp
Trustone Financial Credit Union's borrowings as a share of assets rose 2.3 percentage points over the past year to 13.3%. Among 139 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 13.3% | 2.8% | +10.6 pp |
| 12-month change | ||
| +2.3 pp | 0.0 pp | +2.3 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. Trustone Financial Credit Union itself is left out of every peer median and percentile. How signals work
Return on assets falling while the peer median risesContext: Earnings0.98%peers 0.99%-1 bps
Trustone Financial Credit Union's annualized return on assets fell 17 bps over the past year to 0.98%. Among 139 similar credit unions, the median rose 9 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Annualized return on assets | ||
| 0.98% | 0.99% | -1 bps |
| 12-month change | ||
| -17 bps | +9 bps | -26 bps |
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. Trustone Financial Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Trustone Financial Credit Union is a state-chartered credit union headquartered in Plymouth, Minnesota. It reported $6.1 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $4.6 billion, up 6.3% from a year earlier, and loans totaled $4.2 billion, up 3.6%.
- Its net interest margin on average assets was 2.62% and its annualized return on assets was 0.98% for the quarter.
- Its cost of all shares and deposits was 2.32%, compared with a median of 1.93% among 143 similar credit unions with $3 billion to $10 billion in assets.
- It served 221,366 members, up 1.3% 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 Trustone Financial Credit Union's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- Trustone Financial Credit Union · Credit union
- NCUA charter
- 68722
- Reporting period
- Peer group
- 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. Trustone Financial 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 |
|---|---|
| $14.86M | |
| $80.59M | |
| $40.85M | |
| $39.74M | |
| $16.48M | |
| $32.7M | |
| $8.61M | |
| $8.66M | |
| 0.98% | |
| 2.62% | |
| 58.16% |
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.