BlastPoint's Credit Union Scorecard
TRIANGLE
Charter #13334 · MS
TRIANGLE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 62.7% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.7% in tier
- - Credit Risk Growth: Bottom 24.2% in tier
- - Membership Headwinds: Bottom 51.2% in tier
- - Stagnation Risk: Bottom 52.8% in tier
- - Delinquency rate 0.62% above tier average
- - Member decline: -2.6% YoY
- - Net Charge-Off Rate: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,725
-2.6% YoY-1.3% QoQ
|
-3.7K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$118.1M
+5.5% YoY+2.0% QoQ
|
$-113.7M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.1% in tier |
| Loans |
$66.6M
+4.5% YoY-2.7% QoQ
|
$-80.8M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 13.8% in tier |
| Deposits |
$105.1M
+3.8% YoY+1.9% QoQ
|
$-95.7M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.5% in tier |
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 |
1.1%
+15.1% YoY-3.4% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.3%
+12.0% YoY-0.2% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
71.5%
-6.2% YoY+1.1% QoQ
|
-5.5% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.5%
+79.7% YoY+43.0% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 13.3% in tier |
| Loan To Share |
63.3%
+0.7% YoY-4.4% QoQ
|
-8.9% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$14,643
+6.9% YoY+1.3% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.4% in tier |
| CD Concentration |
10.8%
+73.4% YoY+14.4% QoQ
|
-13.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)