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Original filing (PDF)20251014132612NAL0003023089001
TRUE COMMUNITY CREDIT UNION
Form 5500
FILING_RECEIVED
TRUE COMMUNITY CREDIT UNION CASH BALANCE DEFINED BENEFIT PLAN AND TRUST
Defined-benefit pension plan
Signals · 1
No recordkeeper disclosed
Active participants
194
Accounts w/ balance
—
Plan assets (EOY)
$27.9M
Net assets (EOY)
$27.9M
How this plan invests
This plan
20 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
98
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for TRUE COMMUNITY CREDIT UNION.
Plan sponsor
Name
TRUE COMMUNITY CREDIT UNION
EIN
38-1453620
Address
1100 CLINTON RD · JACKSON, MI · 49202
Phone
(517) 784-7101
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
1C · Cash balance or similar hybrid DB
Audit & trust (Schedule H)
Auditor
DOEREN MAYHEW ASSURANCE
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | NONE | $53K | — |
| MEMBERS CAPITAL ADVISORS, INC. | 42-0388260 | — | NONE | $27K | — |
Investments
20 direct securities· $27.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Large Cap Value Index | — | — | $2.7M | $3.2M | 11.5% | |
| Fidelity 500 Index | — | — | $2.2M | $3.0M | 10.9% | |
| Fidelity Large Cap Growth Index | — | — | $1.7M | $2.6M | 9.3% | |
| Fidelity US Bond Index | — | — | $1.9M | $1.8M | 6.5% | |
| Baird Aggregate Bond Inst | — | — | $1.8M | $1.8M | 6.5% | |
| Fidelity Mid Cap Index | — | — | $1.3M | $1.6M | 5.8% | |
| Fidelity FIidelity Emerging Markets Index | — | — | $1.5M | $1.6M | 5.6% | |
| CMFG Life Insurance Company CUNA Mutual Guaranteed Account | — | — | $1.5M | $1.5M | 5.3% | |
| Fidelity International Index | — | — | $1.2M | $1.5M | 5.2% | |
| Vanguard High-Yield Corporate Admiral Fund | — | — | $1.3M | $1.3M | 4.8% | |
| Lazard Asset Management Lazard Global Listed Infras Port - Inst | — | — | $1.3M | $1.3M | 4.7% | |
| JP Morgan JPMorgan International Focus Fund Class R6 | — | — | $1.2M | $1.2M | 4.4% | |
| Federated Hermes Total Return Bond IS | — | — | $1.2M | $1.0M | 3.7% | |
| Dodge & Cox Dodge & Cox Income | — | — | $1.2M | $1.0M | 3.7% | |
| Hartford Total Return Bond R6 | — | — | $1.1M | $1.0M | 3.7% | |
| Columbia Emerging Markets Bond Inst 2 | — | — | $855K | $793K | 2.8% | |
| Cohen & Steers Cohen & Steers Instl Rlty Shs | — | — | $688K | $749K | 2.7% | |
| Dimensional Fund Advisors DFA U.S. Small Cap Fund (I) | — | — | $188K | $268K | 1.0% | |
| MFS Blended Research Small Cap Equity Fund | — | — | $242K | $263K | 0.9% | |
| Fidelity Small Cap Z | — | — | $268K | $257K | 0.9% |