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The Lender Report built this page from public records. Truliant Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Truliant Credit Union itself. Each figure shows its source and date. Work at Truliant Credit Union? You can claim this page for free.
Credit union, Winston Salem, NC
Truliant Credit Union
A credit union based in Winston Salem, NC. Its commercial book is mostly non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.18B
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 84
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 323
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $5.62B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 336-659-1955 From the NCUA record, June 30, 2026.
- Website
- www.truliantfcu.orgFrom the NCUA record, November 9, 2026.
- Names it files under
- TRULIANT; Truliant Mortgage Services; Truliant Financial Advisors; Truliant Federal Credit UnionNCUA 5300,
- Address
- PO Box 26000, Winston Salem, NC 27114-6000NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - other. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Truliant Credit Union's C&I balance rose 15.7% to $204.1M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 309 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 27.4% to $757.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 10.7% to $204.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Florida | SBA 7(a), Commercial and Institutional Building Construction | $5M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Colorado | SBA 7(a), Landscaping Services | $4.1M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance | $3.6M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | Utah | SBA 7(a), Custom Computer Programming Services | $3.5M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Furniture Retailers | $3M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $2.8M | 9.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Advertising Agencies | $2.2M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | California | SBA 7(a), Machine Shops | $2M | 9% | 10 yr | SBA FOIA | |
| Sep 2026 | Georgia | SBA 7(a), Residential Remodelers | $1.9M | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors | $1.8M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Pennsylvania | SBA 7(a), All Other Specialty Trade Contractors | $1.6M | 8.25% | 25 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), Landscaping Services | $1.5M | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | South Carolina | SBA 7(a), Manufacturing | $1.5M | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | New York | SBA 7(a), Services for the Elderly and Persons with Disabilities | $1.3M | 9.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Outdoor Power Equipment Retailers | $760K | 9.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Gift, Novelty, and Souvenir Retailers | $580K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Texas | SBA 7(a), Janitorial Services | $540K | 9.75% | 10 yr | SBA FOIA | |
| 2025 | Mecklenburg County, NC | Cash-out refinance, 25 to 49 units | $2.5M | 6.35% | 5 yr | 80% | HMDA 2025 |
| 2025 | Catawba County, NC | Purchase, 50 to 99 units | $1.2M | 6.25% | 5 yr | 66% | HMDA 2025 |
| 2025 | Pitt County, NC | Cash-out refinance, 50 to 99 units | $1.7M | 6.6% | 5 yr | 50% | HMDA 2025 |
| 2025 | Baldwin County, GA | Purchase, 5 to 24 units | $1.6M | 5.99% | 5 yr | 65% | HMDA 2025 |
| 2025 | Forsyth County, NC | Cash-out refinance, 5 to 24 units | $480K | 6.5% | 5 yr | 66% | HMDA 2025 |
| 2025 | Henry County, VA | Purchase, 25 to 49 units | $1.3M | 6.5% | 5 yr | 65% | HMDA 2025 |
| 2025 | Bulloch County, GA | Purchase, 100 to 149 units | $6M | 6.15% | 5.3 yr | 60% | HMDA 2025 |
| 2025 | Catawba County, NC | Purchase, 25 to 49 units | $1.5M | 6.25% | 5 yr | 70% | HMDA 2025 |
| 323 SBA 7(a) loans since October 2023, net of cancelled | $442M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $79.3M | 1.7% | +35.3% | 70 | $1.13M |
| Construction and land development | $17.9M | 0.4% | -17.2% | 4 | $4.47M |
| Owner-occupied CRE | $117M | 2.6% | -28.6% | 153 | $764K |
| Non-owner-occupied CRE | $757M | 16.6% | +27.4% | 387 | $1.96M |
| Farmland | $956K | 0.0% | -6.2% | 3 | $319K |
| Commercial and industrial | $204M | 4.5% | +10.7% | 697 | $293K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $1.18B |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $626M |
| Q4 2023 | $647M |
| Q1 2024 | $794M |
| Q2 2024 | $850M |
| Q3 2024 | $832M |
| Q4 2024 | $866M |
| Q1 2025 | $924M |
| Q2 2025 | $1.02B |
| Q3 2025 | $1.02B |
| Q4 2025 | $1.04B |
| Q1 2026 | $1.10B |
| Q2 2026 | $1.18B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 10 | $20.3M | $1.56M | $6M | HMDA, |
| Multifamily, 5 or more units | 2024 | 8 | $11.5M | $1.13M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 47 | $6.03M | $125K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 323 | $442M | $1.00M | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 112 | $148M | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 84 | $161M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 12 | $22.8M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 24 | $39.6M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 48 | $98.6M | NCUA 5300, | ||
| C&I | First half of 2026 | 667 | $227M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $4.47M |
| Multifamily | $1.13M |
| Owner-occupied CRE | $764K |
| Non-owner-occupied CRE | $1.96M |
| Farmland | $319K |
| Commercial and industrial | $293K |
| Industry | Loans | Dollars |
|---|---|---|
| Full-Service Restaurants | 20 | $19.1M |
| Plumbing, Heating, and Air-Conditioning Contractors | 15 | $19.2M |
| Landscaping Services | 9 | $13.3M |
| All Other Specialty Trade Contractors | 9 | $12.0M |
| Limited-Service Restaurants | 9 | $5.65M |
| Electrical Contractors and Other Wiring Installation Contractors | 8 | $10.7M |
| Offices of Mental Health Practitioners (except Physicians) | 7 | $4.92M |
| Marketing Consulting Services | 6 | $6.90M |
| Child Care Services | 6 | $4.03M |
| All Other Amusement and Recreation Industries | 5 | $9.64M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for construction trades, SBA lenders for landscaping companies.
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| North Carolina HQ | 30 | 7 | 35 | 33 | 0 |
| Virginia | 2 | 1 | 5 | 18 | 0 |
| South Carolina | 6 | 0 | 6 | 12 | 0 |
| Florida | 0 | 0 | 0 | 28 | 0 |
| Texas | 0 | 0 | 0 | 28 | 0 |
| California | 0 | 0 | 0 | 24 | 0 |
| New Jersey | 0 | 0 | 0 | 18 | 0 |
| Georgia | 0 | 2 | 0 | 13 | 0 |
| Pennsylvania | 0 | 0 | 0 | 13 | 0 |
| Illinois | 0 | 0 | 0 | 12 | 0 |
| Nevada | 0 | 0 | 0 | 11 | 0 |
| New York | 0 | 0 | 0 | 10 | 0 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $688M | $135M to $763M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $913M | $43.5M to $703M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 132.8% | 21.6% to 221.6% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $85.8M | $17.2M to $135M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 149.4% | 25.9% to 152.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 81.5% | 58.5% to 81.6% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 309 loans (95.7%)
- Approval to first disbursement
- 24.5 days, median of 288
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Coastal Credit Union | NC | $6.23B | $165M |
| Allegacy Financial Credit Union | NC | $2.59B | $554M |
| Apple Credit Union | VA | $5.68B | $578M |
| Skyla Credit Union | NC | $1.67B | $264M |
| Langley Credit Union | VA | $5.62B | $152M |
| California Credit Union | CA | $5.43B | $501M |
| Marine Credit Union | NC | $1.10B | $153M |
| Tinker Credit Union | OK | $6.12B | $444M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Truliant Credit Union, NCUA charter 7840. Compare it with the regulator's record. [NCUA profile]
- Balances. $5.62B in total assets and $1.18B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 84 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 388 loans in HMDA and SBA files, through September 30, 2026: 10 HMDA multifamily 2025, 8 HMDA multifamily 2024, 47 HMDA 1-4 unit investor 2025, 323 SBA 7(a) in 36 months. [How each file was tied to Truliant Credit Union]
- Phone and website. Phone 336-659-1955, from the NCUA record. Website truliantfcu.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 7840
- RSSD
- 446185
- LEI
- 549300VXXDSMSH313G18
- The Lender Report ID
- lr_000343
- Main office county
- Forsyth
- Members
- 352,896
- NCUA region
- 2 - Southern
NCUA credit union details,
- Reported $5.6B in total assets as of June 30, 2026 (NCUA 5300).
- Held $1.2B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $757.3M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 27.4% from a year earlier (NCUA 5300).
- Held $204.1M of commercial and industrial loans as of June 30, 2026, up 10.7% from a year earlier (NCUA 5300).
- Held $116.9M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Originated 10 multifamily loans totaling $20.3M in 2025 (HMDA).
6 more sentences
- Originated 8 multifamily loans totaling $11.5M in 2024 (HMDA).
- Originated 47 1-4 unit investor or business-purpose loans totaling $6M in 2025 (HMDA).
- Recorded 352 SBA 7(a) approvals totaling $488.7M from October 1, 2023 to September 30, 2026, of which 29 were later cancelled (SBA).
- Originated 84 real-estate-secured commercial loans totaling $161M in the first half of 2026 (NCUA 5300).
- Held $59.8M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 38 offices in 3 states (NCUA).
Cite this
Source: The Lender Report, Truliant Credit Union, https://lender.report/lender/truliant-credit-union-nc/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at Truliant Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem