Credit unions · Minnesota · Q2 2026
TruStone AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $6.09B |
| Total loans & leases | $4.15B |
| Total shares & deposits | $4.58B |
| Members | 221,400 |
| Net worth | $669M |
| Net worth / assets | 10.99% |
| Loans / assets | 68.17% |
| Return on assets (annualized) | 1.01% |
| Loan growth (YoY) | 3.61% |
| Member growth (YoY) | 1.32% |
| Delinquency, all loans (60+ days) | 0.78% |
| Charter | State charter (federally insured) |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Service (finance, health, transport, utilities) (inferred from the name) |
AI readiness
AI Score: 3 of 5 stars, AI connected to internal credit-union data
TruStone runs an AI chatbot named "Ruth" on its website and inside digital banking, built on Eltropy, which handles a large share of member conversations. Its technology leaders also describe machine learning used to identify fraud and a large language model applied to its internal policy repository; agentic AI is only described as something they are exploring.
- Trustone Financial Credit Union Reduces Call Volume 20% With Eltropy AI Chatbot “TruStone Financial Credit Union has significantly improved its member service capabilities through the implementation of an AI-powered chatbot using Eltropy's Unified Communications platform.”
- Trustone Financial Credit Union Reduces Call Volume 20% With Eltropy AI Chatbot “Credit union's AI assistant "Ruth" independently handles 46% of member conversations while cutting wait times to 34 seconds”
- TruStone website “NEW: Your neighborly chat bot, Ruth , now has a voice.”
- TruStone tech execs share AI-driven credit union transformation “our vendor partner leverages a lot of machine learning and things like that to be able to identify fraud”
- TruStone tech execs share AI-driven credit union transformation “So we put all 600 plus policies into the repository, let the large language model churn through it”
- TruStone Financial Reduces Call Volume with Eltropy “TruStone launched Ruth first on its website in July, followed by digital banking integration in November.”
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