TRU FI
State-Chartered • Macclenny, Florida • Est. 1967
Quick Facts
- Charter Number
- #68691
- Type
- State-Chartered
- Established
- 1967
- Headquarters
- Macclenny, Florida 32063-2608
- Address
- 602 S 6th St
- Branches
- 3
- ATMs
- 4
- Members
- 7,963
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,963 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TRU FI |
|---|---|
| Total Assets | $135.9M |
| Members | 7,963 |
| Loans Outstanding | $86.5M |
| Shares & Deposits | $119.4M |
| Net Worth | $17.3M |
| Net Worth Ratio | 12.72% |
| Loan-to-Share Ratio | 72.4% |
| Delinquency Rate | 0.10% |
| Net Income | +$2,569,103 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
3 locations · 4 ATMs
Macclenny Branch
Main Office602 S 6th St
Macclenny, FL 32063-2608
Baldwin Branch
100 Lima St S
Baldwin, FL 32234-1731
Callahan Branch
450027 Old Dixie Hwy
Callahan, FL 32011-7885
Who Can Join TRU FI?
Membership Type: Community
Membership eligibility for TRU FI may vary. Contact the credit union directly to confirm qualification requirements.
Contact TRU FI directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. TRU FI is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, TRU FI has 7,963 members and a potential membership field of 124,152 people.
TRU FI's net worth ratio is 12.72% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.7%, TRU FI meets this threshold.
TRU FI operates 3 branch locations and has access to 4 ATMs. The main office is located at 602 S 6th St, Macclenny, FL 32063-2608.
TRU FI was established in 1967. It is a state-chartered credit union chartered under charter number 68691. The institution has been serving members for 59 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TRU FI. All financial data is for informational purposes only.