BlastPoint's Credit Union Scorecard

TRONA VALLEY COMMUNITY

Charter #15741 · WY

1069 CUs in 100M-500M nationally 7 in WY

TRONA VALLEY COMMUNITY has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?
WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 34.5% in tier
  • + ROA 0.36% above tier average
  • + Net Interest Margin 0.90% above tier average
  • + Total Loans: Top 4.1% in tier
  • + Total Assets: Top 4.5% in tier
  • + Total Deposits: Top 5.5% in tier
  • + Total Members: Top 6.1% in tier
  • + Efficiency Ratio: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 9.0% in tier
  • - Indirect Auto Dependency: Bottom 18.2% in tier
  • - Net Charge-Off Rate: Bottom 5.3% in tier
  • - Indirect Auto Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 30,772
+3.8% YoY+0.5% QoQ
 +15.3K 15,437
-2.9% YoY
 21,806
+1.7% YoY
 33,374
+5.7% YoY
 Top 6.2% in tier
Assets $449.9M
+8.1% YoY+1.7% QoQ
 +$218.0M $231.9M
+1.3% YoY
 $331.9M
+4.5% YoY
 $561.6M
+9.7% YoY
 Top 4.6% in tier
Loans $318.9M
+0.9% YoY-0.5% QoQ
 +$171.5M $147.3M
-0.1% YoY
 $248.7M
+3.3% YoY
 $397.0M
+8.8% YoY
 Top 4.2% in tier
Deposits $382.1M
+7.9% YoY+1.7% QoQ
 +$181.3M $200.8M
+0.8% YoY
 $284.9M
+3.7% YoY
 $477.3M
+9.7% YoY
 Top 5.6% in tier

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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 1.1%
-28.9% YoY-0.8% QoQ
 +0.4% 0.8%
+18.2% YoY
 1.1%
+10.8% YoY
 0.7%
+15.9% YoY
 76%
NIM 4.5%
+3.4% YoY+0.6% QoQ
 +0.9% 3.6%
+6.7% YoY
 3.9%
+0.6% YoY
 3.8%
+5.1% YoY
 Top 9.4% in tier
Efficiency Ratio 59.8%
+3.7% YoY+1.4% QoQ
 -17.2% 77.0%
-3.1% YoY
 70.1%
-0.5% YoY
 79.7%
-3.3% YoY
 Bottom 7.1% in tier
Delinquency Rate 0.8%
-21.4% YoY+15.9% QoQ
 -0.0 0.9%
+4.2% YoY
 1.7%
+3.5% YoY
 1.3%
-2.1% YoY
 59%
Loan To Share 83.4%
-6.5% YoY-2.2% QoQ
 +11.2% 72.2%
-1.1% YoY
 78.9%
-1.3% YoY
 67.4%
-1.7% YoY
 72%
AMR $22,781
+0.8% YoY+0.2% QoQ
 $-2K $24,676
+3.4% YoY
 $23,219
+4.0% YoY
 $19,687
+2.0% YoY
 50%
CD Concentration 23.4%
-5.2% YoY-4.1% QoQ
 -1.0% 24.4% 26.5% 19.8% 50%
Indirect Auto % 40.4%
-9.4% YoY-2.7% QoQ
 +26.6% 13.8% 19.3% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#206 of 595 • Top 34.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.79%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.13%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 40.35%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Margin Compression

decline
#12 of 123 • Bottom 9.0% 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: 1.13%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 1.58%
(Tier: 0.63%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.46% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally
→ No prior data (123 CUs now) | New qualifier

Indirect Auto Dependency

risk
#93 of 506 • Bottom 18.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.13%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 40.35%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 3.79%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY

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)

Comparing against 1069 peers in tier

Top Strengths (12 metrics)

45
Total Loans
balance_sheet
Value: $318.88M
Peer Median: -
#45 of 1069 Top 4.1% in 100M-500M tier
49
Total Assets
balance_sheet
Value: $449.87M
Peer Median: -
#49 of 1069 Top 4.5% in 100M-500M tier
60
Total Deposits
balance_sheet
Value: $382.14M
Peer Median: -
#60 of 1069 Top 5.5% in 100M-500M tier
66
Total Members
engagement
Value: 30,772
Peer Median: -
#66 of 1069 Top 6.1% in 100M-500M tier
77
Efficiency Ratio
profitability
Value: 59.82%
Peer Median: -
#77 of 1069 Top 7.1% in 100M-500M tier
100
Net Interest Margin (NIM)
profitability
Value: 4.50%
Peer Median: -
#100 of 1069 Top 9.3% in 100M-500M tier
157
Member Growth Rate
growth
Value: 3.79%
Peer Median: -
#157 of 1069 Top 14.6% in 100M-500M tier
208
Fee Income Per Member
profitability
Value: $230.56
Peer Median: -
#208 of 1069 Top 19.4% in 100M-500M tier
224
Deposit Growth Rate
growth
Value: 7.92%
Peer Median: -
#224 of 1069 Top 20.9% in 100M-500M tier
227
Net Worth Ratio
risk
Value: 14.10%
Peer Median: -
#227 of 1069 Top 21.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1013
Net Charge-Off Rate
risk
Value: 1.43%
Peer Median: -
#1013 of 1069 Bottom 5.3% in 100M-500M tier
986
Indirect Auto Concentration (%)
balance_sheet
Value: 40.35%
Peer Median: -
#986 of 1069 Bottom 7.9% in 100M-500M tier
810
AMR Growth Rate
growth
Value: 0.79%
Peer Median: -
#810 of 1069 Bottom 24.3% in 100M-500M tier
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