TRU FI Credit Union Profile

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TRU FI

Charter #68691 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (904) 259-6702

Fax: (904) 259-2666

Founding Date: N/A

Website: http://www.truficu.org

Personnel & Operations

President: Griffis, Michael

Manager: Drury, Angie

FT Employees: 30

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Mon-Thurs 9am-4:30pm Drive thru 8:30am-5:00

Credit Union Profile Summary

TRU FI is a FISCU Credit Union. With a total of 7,882 members [1], this institution manages approximately $134,090,076 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.83% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.88% [1].

Financial Snapshot

Total Assets [1]
$134,090,076

Total economic resources.

Total Loans [1]
$81,926,215

Total value of outstanding loans.

Total Deposits [1]
$117,293,318

Total funds deposited by members.

Members [1]
7,882

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.83%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.68%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
69.85%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.02%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 8.88%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 3.49%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

602 S 6th St

Macclenny, FL, 32063-2608
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by TRU FI (Charter #68691).

Main Office

Macclenny Branch Main Office

Type: Corporate Office

602 S 6th St

Macclenny, FL 32063-2608

Phone: (904) 259-6702

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Baldwin

Baldwin Branch

Type: Branch Office

100 Lima St S

Baldwin, FL 32234-1731

Phone: (904) 259-6702

Services: Member Services, ATM, Drive-Thru

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Callahan

Callahan Branch

Type: Branch Office

450027 Old Dixie Hwy

Callahan, FL 32011-7885

Phone: (904) 259-6702

Services: Member Services, ATM, Drive-Thru

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