BlastPoint's Credit Union Scorecard
TRUCHOICE
Charter #10100 · ME
TRUCHOICE has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 62.1% 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
|
45% |
| 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
|
64% |
| 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
|
77% |
| 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
|
65% |
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| 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
|
70% |
| 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
|
80% |
| 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
|
43% |
| 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
|
71% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
15.8%
+6.7% YoY
|
7.9%
-2.9% YoY
|
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 (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)