BlastPoint's Credit Union Scorecard
TRIANGLE
Charter #13334 · MS
TRIANGLE has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.6% in tier
- + Profitability Leader: Top 83.5% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.70% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.7% in tier
- - Credit Quality Pressure: Bottom 4.0% in tier
- - Stagnation Risk: Bottom 24.3% in tier
- - Membership Headwinds: Bottom 28.8% in tier
- - Delinquency rate 0.20% above tier average
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,874
-1.0% YoY-0.9% QoQ
|
-3.8K |
15,628
-3.4% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$115.8M
+2.5% YoY-1.4% QoQ
|
$-115.5M |
$231.3M
-0.0% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.9% in tier |
| Loans |
$68.4M
+10.8% YoY+0.5% QoQ
|
$-79.4M |
$147.8M
-1.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.3% in tier |
| Deposits |
$103.2M
+3.6% YoY-2.0% QoQ
|
$-97.1M |
$200.3M
-0.0% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.0% in tier |
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| ROA |
1.2%
-5.9% YoY-9.9% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
4.3%
+14.9% YoY+1.6% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
70.7%
-1.7% YoY+3.0% QoQ
|
-6.6% |
77.3%
-3.0% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.1%
+143.3% YoY+48.8% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
66.3%
+6.9% YoY+2.5% QoQ
|
-6.4% |
72.7%
-1.5% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$14,449
+7.4% YoY-0.1% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
9.4%
+62.7% YoY+23.1% QoQ
|
-15.0% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)