TRUCHOICE

Charter #10100 | ME

100M-500M (1077 CUs) Micro
33 100M-500M in ME

TRUCHOICE has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 17.6% in tier
  • + Wallet Share Momentum: Top 22.7% in tier
  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.54% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 5.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 13.2% in tier
  • - Liquidity Strain: Bottom 27.9% in tier
  • - Membership Headwinds: Bottom 32.9% in tier
  • - Delinquency rate 0.15% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ME) National Avg Tier Percentile
Members 12,667
-0.6% YoY-0.4% QoQ
 -3.0K 15,628
-3.4% YoY
 15,972
+1.7% YoY
 33,089
+6.1% YoY
 45th in tier
Assets $248.9M
+4.3% YoY-0.1% QoQ
 +$17.6M $231.3M
-0.0% YoY
 $270.6M
+5.7% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $206.6M
+2.5% YoY+1.3% QoQ
 +$58.8M $147.8M
-1.4% YoY
 $188.4M
+4.5% YoY
 $388.7M
+8.6% YoY
 Top 23.0% in tier
Deposits $224.8M
+3.4% YoY-0.5% QoQ
 +$24.5M $200.3M
-0.0% YoY
 $236.4M
+5.3% YoY
 $464.6M
+9.3% YoY
 65th in tier
ROA 1.1%
+0.0% YoY+22.9% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.9%
+6.3% YoY
 0.7%
+273.4% YoY
 70th in tier
NIM 4.1%
+9.6% YoY+3.0% QoQ
 +0.5% 3.6%
+6.9% YoY
 3.6%
+6.2% YoY
 3.7%
+5.0% YoY
 Top 20.4% in tier
Efficiency Ratio 75.3%
-0.8% YoY-3.0% QoQ
 -2.0% 77.3%
-3.0% YoY
 76.0%
-2.1% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 1.0%
-41.8% YoY-33.2% QoQ
 +0.2 0.9%
+7.6% YoY
 0.8%
+28.5% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 91.9%
-0.9% YoY+1.9% QoQ
 +19.2% 72.7%
-1.5% YoY
 75.4%
-1.4% YoY
 68.0%
-1.7% YoY
 Top 12.2% in tier
AMR $34,057
+3.6% YoY+0.8% QoQ
 +$10K $24,363
+2.9% YoY
 $25,292
+3.8% YoY
 $19,418
+1.3% YoY
 Top 10.5% in tier
CD Concentration 19.1%
+29.3% YoY+1.5% QoQ
 -5.3% 24.4%
+4.2% YoY
 25.0%
+4.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 15.8%
+6.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#487 of 1006 • Top 17.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.58%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#627 of 1006 • Top 22.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.58%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Stagnation Risk

risk
#219 of 550 • Bottom 13.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.07%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.56%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $34.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 19.13%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Strain

risk
#217 of 258 • Bottom 27.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.92%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.53%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline
#542 of 550 • Bottom 32.9% in tier

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

Why This Signature
Member Growth (YoY): -0.56%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
57
Fee Income Per Member
profitability
Value: $303.79
Peer Avg: $174.31
#57 of 1077 Top 5.2% in 100M-500M tier
84
Loan-to-Member Ratio (LMR)
engagement
Value: $16,312
Peer Avg: $10,245
#84 of 1077 Top 7.7% in 100M-500M tier
113
Average Member Relationship (AMR)
engagement
Value: $34,057
Peer Avg: $24,363
#113 of 1077 Top 10.4% in 100M-500M tier
131
Loan-to-Share Ratio
balance_sheet
Value: 91.92%
Peer Avg: 72.70%
#131 of 1077 Top 12.1% in 100M-500M tier
220
Net Interest Margin (NIM)
profitability
Value: 4.12%
Peer Avg: 3.58%
#220 of 1077 Top 20.3% in 100M-500M tier
248
Total Loans
balance_sheet
Value: $206.62M
Peer Avg: $147.80M
#248 of 1077 Top 22.9% in 100M-500M tier

Top Weaknesses (1 metrics)

924
Members Per Employee (MPE)
engagement
Value: 239.000
Peer Avg: 332.881
#924 of 1077 Bottom 14.3% in 100M-500M tier