Charter 68718 · Jackson, MI
True Community Credit Union
True Community Credit Union is a state-chartered credit union in Jackson, Michigan, with $955 million in assets and 82,329 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.58%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as CPFCU, CP Federal Credit Union, CP Federal, CP Financial Credit Union, CP Financial, CP, TRUECCU.com, TRUECCU, TRUE.
- Total assets
- $955 million
- +3.9% in a year
- Members
- 82,329
- -0.5% in a year
- Net worth ratio
- 11.58%
- Peer median 10.79%
- Loans 60+ days late
- 1.59%
- Peer median 0.67%
- Loans outstanding
- $725 million
- +3.1% in a year
- Shares and deposits
- $836 million
- +5.5% in a year
- Branches
- 15
- 220 employees
- Opened
- 1953
- Michigan charter
How True Community Credit Union compares
NCUA groups credit unions by size; True Community Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.58% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.59%, is higher than the group median of 0.67%. Loans grew 3.1% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 30 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $955 million | 82,329 | $725 million | 11.58% | 1.59% |
| Q1 2026 | $953 million | 81,734 | $705 million | 11.31% | 1.47% |
| Q4 2025 | $933 million | 81,647 | $697 million | 11.30% | 1.73% |
| Q3 2025 | $910 million | 82,805 | $697 million | 11.19% | 1.63% |
| Q2 2025 | $919 million | 82,778 | $703 million | 10.93% | 1.11% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 10 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 15 sites for True Community Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Spring Arbor
2055 Spring Arbor Rd, Jackson, MI 49203 - Clinton Road (main office)
1100 Clinton Rd, Jackson, MI 49202 - Parnall
1309 W Parnall Rd, Jackson, MI 49201 - Brooklyn
131 S Main St, Brooklyn, MI 49230 - Parma
121 W Main St, Parma, MI 49269 - Downtown
165 W Michigan Ave, Jackson, MI 49201 - Mason
103 E Kipp Rd, Mason, MI 48854 - Grass Lake
670 E Michigan Ave, Grass Lake, MI 49240 - Saline
559B E Michigan Ave Ste B, Saline, MI 48176 - Mansfield
424 S Mansfield St, Ypsilanti, MI 48197 - Whittaker
1861 Whittaker Rd, Ypsilanti, MI 48197 - Vandercook Lake
1304 E Mcdevitt Ave, Jackson, MI 49203 - Dearborn
9500 Dix, Dearborn, MI 48120 - Livonia
36525 Plymouth Rd, Livonia, MI 48150 - Westland
1747 S Newburgh Rd, Westland, MI 48186
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology