BlastPoint's Credit Union Scorecard

TRUNORTH

Charter #6332 · MI

1069 CUs in 100M-500M nationally 68 in MI

TRUNORTH faces 9 concerns requiring attention

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 52.8% in tier
- Stagnation Risk: Bottom 60.2% in tier
- Membership Headwinds: Bottom 64.6% in tier
- Institutional Decline: Bottom 68.6% in tier
- Efficiency Drag: Bottom 78.6% in tier
- ROA 0.16% below tier average
- Efficiency ratio 5.60% above tier (higher cost structure)
- Asset Growth Rate: Bottom 7.7% in tier
- First Mortgage Concentration (%): Bottom 8.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	15,456 -1.9% YoY-0.1% QoQ	+18	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	60%
Assets	$197.1M -2.3% YoY+2.0% QoQ	$-34.8M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	50%
Loans	$107.6M -4.0% YoY-0.3% QoQ	$-39.7M	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	39%
Deposits	$177.6M +2.8% YoY+1.4% QoQ	$-23.2M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +275.6% YoY+26.6% QoQ	-0.2%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	39%
NIM	3.1% +34.5% YoY+3.8% QoQ	-0.5%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	82.6% -10.1% YoY-2.8% QoQ	+5.6%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.3% +253.1% YoY+184.2% QoQ	-0.6	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	Bottom 14.1% in tier
Loan To Share	60.6% -6.6% YoY-1.7% QoQ	-11.6%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	25%
AMR	$18,451 +2.1% YoY+0.8% QoQ	$-6K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	24%
CD Concentration	12.6% +6.0% YoY+5.9% QoQ	-11.8%	24.4%	18.6%	19.8%	50%
Indirect Auto %	8.9% -17.3% YoY-2.8% QoQ	-4.9%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#373 of 705 • Bottom 52.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#334 of 554 • Bottom 60.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.96%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.27%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#358 of 554 • Bottom 64.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#165 of 240 • Bottom 68.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $197.08M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.96%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#423 of 538 • Bottom 78.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.61%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.44% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.90%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

149

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

152

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: -

#152 of 1069 Top 14.1% in 100M-500M tier

166

Share Certificate Concentration (%)

balance_sheet

Value: 12.63%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

238

Members Per Employee (MPE)

engagement

Value: 386.400

Peer Median: -

#238 of 1069 Top 22.2% in 100M-500M tier

Top Weaknesses (9 metrics)

988

Asset Growth Rate

growth

Value: -2.32%

Peer Median: -

#988 of 1069 Bottom 7.7% in 100M-500M tier

980

First Mortgage Concentration (%)

balance_sheet

Value: 56.05%

Peer Median: -

#980 of 1069 Bottom 8.4% in 100M-500M tier

911

Loan Growth Rate

growth

Value: -3.96%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

831

Loan-to-Member Ratio (LMR)

engagement

Value: $6,962

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier

826

Fee Income Per Member

profitability

Value: $116.42

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier

824

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Median: -

#824 of 1069 Bottom 23.0% in 100M-500M tier

816

Average Member Relationship (AMR)

engagement

Value: $18,451

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier

806

Loan-to-Share Ratio

balance_sheet

Value: 60.60%

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier

805

Net Worth Ratio

risk

Value: 9.84%

Peer Median: -

#805 of 1069 Bottom 24.8% in 100M-500M tier