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P.O. Box 25636
Little Rock, AR 72221

Truservice Community Credit Union is headquartered in Little Rock and is the 15st largest credit union in the state of Arkansas. It is also the 2,657th largest credit union in the nation. It was established in 1976 and as of December of 2013, it had grown to 17 employees and 5,973 members. Truservice Community Credit Union has a B health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Pulaski or Faulkner County, Arkansas - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Truservice Community Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Truservice Community Credit Union had $293,000 in non-current loans and owned real-estate with $3.16 million in equity and loan loss allowances on hand to cover it. This gives Truservice Community Credit Union a Texas Ratio of 9.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Truservice Community Credit Union decreased slightly from 12.26% as of December 31, 2012 to 9.28% as of December 31, 2013, resulting in a positive change of 24.27%.This indicates that the balance sheet and financial strength for Truservice Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Truservice Community Credit Union has increased its total deposits by $487,000, resulting in 1.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Truservice Community Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Truservice Community Credit Union has $37.38 million in assets with $3.16 million in equity, resulting in a capitalization level of 8.44%, which is average.

Institution Statistics

NCUA #24390
Year Chartered1976
Primary Regulator
Assets and Liabilities
Assets$37.39 million
Loans$29.02 million
Deposits$34.14 million
Equity Capital$3.06 million
Loan Loss Allowance$100,000
Unbacked Noncurrent Loans$293,000
Real Estate Owned$0
Historic Data - December 2012
Assets$36.85 million
Equity Capital$3.05 million
Loan Loss Allowance$112,000
Unbacked Noncurrent Loans$293,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.29%
Return on Assets0.18%
Return on Equity2.16%
Interest Income$1.77 million

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Truservice Community Credit Union Savings Account Rates

0.20%$50k-Regular Shares
0.20%$200-Christmas Club
0.20%$200-IRA Shares
0.05%$1k-Performance Shares
0.05%$200-Misc Club

Truservice Community Credit Union Money Market Rates

0.30%$100k-Money Market Savings
0.10%$10k-Money Market Checking

Truservice Community Credit Union Checking Account Rates

0.10%$1k-High-Five Checking

Truservice Community Credit Union CD Rates

1.21%$500-5 Year CD
0.90%$500-3 Year CD
0.75%$500-2 Year CD
0.50%$500-1 Year CD
0.30%$500-6 Month CD

Truservice Community Credit Union IRA Rates

1.21%$500-5 Year IRA
0.90%$500-3 Year IRA
0.75%$500-2 Year IRA
0.50%$500-1 Year IRA
0.30%$500-6 Month IRA

Truservice Community Credit Union Locations
Branch Office11001 Hermitage RdLIttle Rock, AR 72211
Branch Office1600 Washington AveConway, AR 72032
Branch Office300 W Pershing BlvdNorth Little Rock, AR 72114