BlastPoint's Credit Union Scorecard

TRUCHOICE

Charter #10100 · ME

100M-500M

1069 CUs in 100M-500M nationally 32 in ME

TRUCHOICE has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

ME Analysis

How does ME stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.58% above tier average
+ Fee Income Per Member: Top 4.3% in tier
+ Loan-to-Member Ratio (LMR): Top 7.4% in tier
+ Loan-to-Share Ratio: Top 8.9% 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
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 1.11% above tier average
- Total Delinquency Rate (60+ days): Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ME)	National Avg	Tier Percentile
Members	12,581 -0.9% YoY-0.7% QoQ	-2.9K	15,437 -2.9% YoY	15,963 +1.6% YoY	33,374 +5.7% YoY	45%
Assets	$248.5M +2.7% YoY-0.2% QoQ	+$16.6M	$231.9M +1.3% YoY	$273.7M +6.0% YoY	$561.6M +9.7% YoY	63%
Loans	$208.5M +4.3% YoY+0.9% QoQ	+$61.1M	$147.3M -0.1% YoY	$190.1M +4.4% YoY	$397.0M +8.8% YoY	78%
Deposits	$223.3M +1.5% YoY-0.7% QoQ	+$22.5M	$200.8M +0.8% YoY	$239.3M +5.9% YoY	$477.3M +9.7% YoY	64%

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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	1.0% +3.0% YoY-6.6% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +5.3% YoY	0.7% +15.9% YoY	69%
NIM	4.2% +12.3% YoY+1.6% QoQ	+0.6%	3.6% +6.7% YoY	3.6% +4.8% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	76.7% +1.0% YoY+1.8% QoQ	-0.3%	77.0% -3.1% YoY	76.4% -1.6% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	2.0% +16.3% YoY+97.8% QoQ	+1.1	0.9% +4.2% YoY	0.8% +17.6% YoY	1.3% -2.1% YoY	Bottom 7.5% in tier
Loan To Share	93.4% +2.7% YoY+1.6% QoQ	+21.1%	72.2% -1.1% YoY	74.9% -2.1% YoY	67.4% -1.7% YoY	Top 9.0% in tier
AMR	$34,317 +3.7% YoY+0.8% QoQ	+$10K	$24,676 +3.4% YoY	$25,603 +4.2% YoY	$19,687 +2.0% YoY	Top 10.5% in tier
CD Concentration	19.4% +11.2% YoY+1.2% QoQ	-5.1%	24.4%	25.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	15.9%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#175 of 268 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.71%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.9K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk

#268 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.28% 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 | Rank improving

Credit Risk Growth

risk

#221 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.27%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

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

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Liquidity Strain

risk

#154 of 228 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.35%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.27%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#433 of 554 • Bottom 50.0% 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): -0.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.27%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 2.00%

(Tier: 0.89%, National: 1.28%)

worse 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

#500 of 554 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.86%

(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

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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $313.60

Peer Median: -

#47 of 1069 Top 4.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,569

Peer Median: -

#80 of 1069 Top 7.4% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.35%

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

112

Average Member Relationship (AMR)

engagement

Value: $34,317

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

201

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

237

Total Loans

balance_sheet

Value: $208.45M

Peer Median: -

#237 of 1069 Top 22.1% in 100M-500M tier

Top Weaknesses (2 metrics)

990

Total Delinquency Rate (60+ days)

risk

Value: 2.00%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

921

Members Per Employee (MPE)

engagement

Value: 237.377

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier