BlastPoint's Credit Union Scorecard
TRONA VALLEY COMMUNITY
Charter #15741 · WY
TRONA VALLEY COMMUNITY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 0.92% above tier average
- + Strong member growth: 5.1% YoY
- + Total Assets: Top 2.3% in tier
- + Total Deposits: Top 3.5% in tier
- + Total Loans: Top 3.5% in tier
- + Total Members: Top 5.1% in tier
- + Efficiency Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 7.8% in tier
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 8 that size in Wyoming.
- Shares and deposits +6.6% year over year ($401M in shares and deposits).
- Membership: 31,915 members, +5.1% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.46%.
- Efficiency ratio 59.97% vs a 76.73% peer average.
- Loan-to-share ratio 81.77% 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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,915
+5.1% YoY+2.2% QoQ
|
+16.7K |
15,168
-2.6% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
Top 5.2% in tier |
| Assets |
$470.1M
+6.4% YoY+0.5% QoQ
|
+$238.1M |
$232.0M
+0.7% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
Top 2.4% in tier |
| Loans |
$327.9M
+3.1% YoY+3.3% QoQ
|
+$181.6M |
$146.3M
+0.2% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
Top 3.6% in tier |
| Deposits |
$401.0M
+6.6% YoY-0.2% QoQ
|
+$200.2M |
$200.7M
+0.2% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
Top 3.6% 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 |
1.5%
+36.2% YoY+22.9% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
Top 14.0% in tier |
| NIM |
4.6%
+4.2% YoY+2.2% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
Top 8.5% in tier |
| Efficiency Ratio |
60.0%
+1.4% YoY-5.8% QoQ
|
-16.8% |
76.7%
-0.8% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
Top 8.4% in tier |
| Delinquency Rate |
0.8%
-5.4% YoY+11.4% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
81.8%
-3.3% YoY+3.5% QoQ
|
+10.2% |
71.5%
-0.3% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$22,836
-0.1% YoY-0.9% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
23.1%
-5.5% YoY+0.7% QoQ
|
-1.5% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
40.4%
-4.9% YoY+0.6% QoQ
|
+26.8% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)