BlastPoint's Credit Union Scorecard

TRIANGLE

Charter #13334 · MS

100M-500M

1070 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
+ ROA 0.45% above tier average
+ Net Interest Margin 0.32% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Delinquency rate 0.94% above tier average
- Member decline: -2.5% YoY
- Net Charge-Off Rate: Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	11,663 -2.5% YoY-0.5% QoQ	-3.5K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	42%
Assets	$125.6M +7.7% YoY+6.3% QoQ	$-106.1M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	17%
Loans	$65.6M -0.1% YoY-1.5% QoQ	$-78.5M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	Bottom 14.0% in tier
Deposits	$112.2M +7.1% YoY+6.7% QoQ	$-88.9M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	19%

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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	1.2% -48.1% YoY+3.2% QoQ	+0.5%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	79%
NIM	4.0% -6.1% YoY-7.7% QoQ	+0.3%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	71%
Efficiency Ratio	71.7% +12.6% YoY+0.3% QoQ	-6.3%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	1.7% +116.5% YoY+13.2% QoQ	+0.9	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	Bottom 7.4% in tier
Loan To Share	58.5% -6.7% YoY-7.7% QoQ	-11.9%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	24%
AMR	$15,246 +7.0% YoY+4.1% QoQ	$-10K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 9.9% in tier
CD Concentration	13.6% +118.7% YoY+26.2% QoQ	-10.7%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#279 of 491 • 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): 7.00%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk

#34 of 727 • 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): 0.92% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Margin Compression

decline

#26 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.18%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 2.28%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -1.09% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Stagnation Risk

risk

#162 of 570 • 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): -2.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.10%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.71%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#297 of 570 • 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): -2.52%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Cost Spiral

risk

#52 of 83 • 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: 8.03% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 61.13%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

151

Fee Income Per Member

profitability

Value: $234.76

Peer Median: $154.95

#151 of 1070 Top 14.0% in 100M-500M tier

197

Share Certificate Concentration (%)

balance_sheet

Value: 13.61%

Peer Median: 23.10%

#197 of 1070 Top 18.3% in 100M-500M tier

214

AMR Growth Rate

growth

Value: 7.00%

Peer Median: 3.46%

#214 of 1070 Top 19.9% in 100M-500M tier

217

Asset Growth Rate

growth

Value: 7.70%

Peer Median: 3.91%

#217 of 1070 Top 20.2% in 100M-500M tier

229

Return on Assets (ROA)

profitability

Value: 1.18%

Peer Median: 0.69%

#229 of 1070 Top 21.3% in 100M-500M tier

235

Deposit Growth Rate

growth

Value: 7.06%

Peer Median: 3.30%

#235 of 1070 Top 21.9% in 100M-500M tier

Top Weaknesses (9 metrics)

1022

Net Charge-Off Rate

risk

Value: 1.42%

Peer Median: 0.35%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

992

Total Delinquency Rate (60+ days)

risk

Value: 1.71%

Peer Median: 0.61%

#992 of 1070 Bottom 7.4% in 100M-500M tier

964

Average Member Relationship (AMR)

engagement

Value: $15,246

Peer Median: $22,931

#964 of 1070 Bottom 10.0% in 100M-500M tier

953

Loan-to-Member Ratio (LMR)

engagement

Value: $5,626

Peer Median: $9,356

#953 of 1070 Bottom 11.0% in 100M-500M tier

920

Total Loans

balance_sheet

Value: $65.61M

Peer Median: $121.41M

#920 of 1070 Bottom 14.1% in 100M-500M tier

892

Total Assets

balance_sheet

Value: $125.58M

Peer Median: $196.57M

#892 of 1070 Bottom 16.7% in 100M-500M tier

866

Total Deposits

balance_sheet

Value: $112.20M

Peer Median: $171.29M

#866 of 1070 Bottom 19.2% in 100M-500M tier

823

Member Growth Rate

growth

Value: -2.52%

Peer Median: -0.06%

#823 of 1070 Bottom 23.2% in 100M-500M tier

813

Loan-to-Share Ratio

balance_sheet

Value: 58.47%

Peer Median: 71.88%

#813 of 1070 Bottom 24.1% in 100M-500M tier