BlastPoint's Credit Union Scorecard

TRIANGLE

Charter #13334 · MS

100M-500M

1024 CUs in 100M-500M nationally 10 in MS

TRIANGLE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.29% above tier average
+ Deposit Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.17% below tier average
- Efficiency ratio 0.99% above tier (higher cost structure)
- Delinquency rate 0.28% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
Shares and deposits +9.8% year over year ($116M in shares and deposits).
Membership: 11,655 members, -2.7% vs a year ago.
Delinquency rate 1.16%.
Return on assets 0.69%.
Efficiency ratio 77.73% vs a 76.73% peer average.
Loan-to-share ratio 56.34% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	11,655 -2.7% YoY-0.1% QoQ	-3.5K	15,168 -2.6% YoY	15,019 +10.4% YoY	34,678 +6.6% YoY	42%
Assets	$129.0M +9.8% YoY+2.7% QoQ	$-103.0M	$232.0M +0.7% YoY	$179.3M +15.8% YoY	$593.1M +10.2% YoY	19%
Loans	$65.2M -4.3% YoY-0.7% QoQ	$-81.1M	$146.3M +0.2% YoY	$118.9M +12.9% YoY	$418.6M +10.1% YoY	Bottom 13.8% in tier
Deposits	$115.6M +9.8% YoY+3.1% QoQ	$-85.1M	$200.7M +0.2% YoY	$142.7M +16.5% YoY	$504.8M +10.3% YoY	22%

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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	0.7% -47.5% YoY-41.5% QoQ	-0.2%	0.9% +12.5% YoY	6.8% +536.0% YoY	1.2% +121.4% YoY	44%
NIM	4.0% -5.9% YoY+0.5% QoQ	+0.3%	3.7% +4.5% YoY	4.4% +0.2% YoY	3.8% +2.3% YoY	69%
Efficiency Ratio	77.7% +13.2% YoY+8.4% QoQ	+1.0%	76.7% -0.8% YoY	168.1% +110.0% YoY	83.0% -5.3% YoY	51%
Delinquency Rate	1.2% +63.4% YoY-32.2% QoQ	+0.3	0.9% +6.6% YoY	2.3% +20.5% YoY	1.3% +2.6% YoY	76%
Loan To Share	56.3% -12.8% YoY-3.7% QoQ	-15.2%	71.5% -0.3% YoY	65.7% -3.6% YoY	66.4% -1.4% YoY	20%
AMR	$15,512 +7.2% YoY+1.7% QoQ	$-10K	$25,107 +3.2% YoY	$12,280 +0.8% YoY	$20,028 -0.9% YoY	Bottom 11.0% in tier
CD Concentration	16.3% +112.4% YoY+19.5% QoQ	-8.3%	24.6%	19.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#273 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.20%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (5)

Stagnation Risk

risk

#105 of 549 • 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): -2.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.28%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.16%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Quality Pressure

risk

#159 of 693 • 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): 0.45% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Membership Headwinds

decline

#258 of 549 • 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): -2.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Cost Spiral

risk

#62 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 9.08% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 68.65%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Institutional Decline

decline

#150 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $128.96M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -2.72%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -4.28%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

101

Deposit Growth Rate

growth

Value: 9.83%

Peer Median: 3.58%

#101 of 1024 Top 9.8% in 100M-500M tier

110

Asset Growth Rate

growth

Value: 9.84%

Peer Median: 4.12%

#110 of 1024 Top 10.6% in 100M-500M tier

160

Fee Income Per Member

profitability

Value: $233.70

Peer Median: $159.88

#160 of 1024 Top 15.5% in 100M-500M tier

210

AMR Growth Rate

growth

Value: 7.20%

Peer Median: 3.53%

#210 of 1024 Top 20.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1000

Net Charge-Off Rate

risk

Value: 1.72%

Peer Median: 0.34%

#1000 of 1024 Bottom 2.4% in 100M-500M tier

920

Loan-to-Member Ratio (LMR)

engagement

Value: $5,590

Peer Median: $9,434

#920 of 1024 Bottom 10.3% in 100M-500M tier

911

Average Member Relationship (AMR)

engagement

Value: $15,512

Peer Median: $23,006

#911 of 1024 Bottom 11.1% in 100M-500M tier

900

Loan Growth Rate

growth

Value: -4.28%

Peer Median: 3.02%

#900 of 1024 Bottom 12.2% in 100M-500M tier

883

Total Loans

balance_sheet

Value: $65.15M

Peer Median: $124.04M

#883 of 1024 Bottom 13.9% in 100M-500M tier

833

Total Assets

balance_sheet

Value: $128.96M

Peer Median: $196.38M

#833 of 1024 Bottom 18.8% in 100M-500M tier

824

Loan-to-Share Ratio

balance_sheet

Value: 56.34%

Peer Median: 73.07%

#824 of 1024 Bottom 19.6% in 100M-500M tier

815

Member Growth Rate

growth

Value: -2.72%

Peer Median: -0.03%

#815 of 1024 Bottom 20.5% in 100M-500M tier

803

Total Deposits

balance_sheet

Value: $115.64M

Peer Median: $170.77M

#803 of 1024 Bottom 21.7% in 100M-500M tier

774

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: 0.71%

#774 of 1024 Bottom 24.5% in 100M-500M tier