BlastPoint's Credit Union Scorecard
TRUCHOICE
Charter #10100 · ME
TRUCHOICE has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.26% above tier average
- + Net Interest Margin 0.62% above tier average
- + Fee Income Per Member: Top 5.7% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Delinquency rate 0.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,579
-1.0% YoY-0.0% QoQ
|
-2.6K |
15,145
-2.5% YoY
|
16,050
+1.9% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$253.6M
+1.6% YoY+2.0% QoQ
|
+$21.9M |
$231.7M
+0.8% YoY
|
$279.7M
+5.3% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$207.3M
+4.1% YoY-0.6% QoQ
|
+$63.1M |
$144.1M
+0.2% YoY
|
$190.6M
+4.6% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$228.1M
+0.4% YoY+2.1% QoQ
|
+$27.0M |
$201.1M
+0.4% YoY
|
$245.5M
+5.2% YoY
|
$494.3M
+9.1% YoY
|
65% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+7.5% YoY-1.7% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.8%
+5.6% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
4.2%
+7.5% YoY+1.5% QoQ
|
+0.6% |
3.6%
+4.6% YoY
|
3.5%
+1.0% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
72.9%
-10.1% YoY-4.9% QoQ
|
-5.1% |
78.0%
-1.7% YoY
|
77.8%
-1.1% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
1.0%
+17.6% YoY-51.9% QoQ
|
+0.2 |
0.8%
+7.1% YoY
|
0.7%
+13.3% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
90.9%
+3.6% YoY-2.7% QoQ
|
+20.5% |
70.4%
-0.4% YoY
|
72.9%
-1.6% YoY
|
65.6%
-1.4% YoY
|
Top 10.6% in tier |
| AMR |
$34,611
+3.1% YoY+0.9% QoQ
|
+$10K |
$24,918
+2.7% YoY
|
$25,927
+3.7% YoY
|
$19,920
+1.6% YoY
|
Top 10.7% in tier |
| CD Concentration |
19.4%
+8.3% YoY+0.4% QoQ
|
-4.8% | 24.3% | 25.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)