BlastPoint's Credit Union Scorecard

TRONA VALLEY COMMUNITY

Charter #15741 · WY

100M-500M
1070 CUs in 100M-500M nationally 8 in WY

TRONA VALLEY COMMUNITY has 6 strengths but faces 5 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

  • + ROA 0.46% above tier average
  • + Net Interest Margin 0.87% above tier average
  • + Total Assets: Top 3.1% in tier
  • + Total Deposits: Top 3.4% in tier
  • + Total Loans: Top 4.0% in tier
  • + Total Members: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Indirect Auto Concentration (%): Bottom 7.9% in tier
  • - Net Charge-Off Rate: Bottom 9.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 31,217
+4.2% YoY+1.4% QoQ
 +16.1K 15,145
-2.5% YoY
 21,934
+2.5% YoY
 33,913
+5.7% YoY
 Top 5.5% in tier
Assets $467.6M
+7.7% YoY+3.9% QoQ
 +$235.8M $231.7M
+0.8% YoY
 $341.2M
+5.8% YoY
 $578.3M
+9.0% YoY
 Top 3.2% in tier
Loans $317.3M
+0.9% YoY-0.5% QoQ
 +$173.2M $144.1M
+0.2% YoY
 $250.8M
+3.8% YoY
 $402.4M
+8.7% YoY
 Top 4.1% in tier
Deposits $401.8M
+8.6% YoY+5.2% QoQ
 +$200.7M $201.1M
+0.4% YoY
 $290.8M
+4.6% YoY
 $494.3M
+9.1% YoY
 Top 3.5% 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 1.2%
+32.4% YoY+5.5% QoQ
 +0.5% 0.7%
+5.1% YoY
 1.0%
-6.8% YoY
 0.4%
-39.2% YoY
 79%
NIM 4.5%
+2.2% YoY-0.0% QoQ
 +0.9% 3.6%
+4.6% YoY
 3.9%
-0.5% YoY
 3.8%
+4.1% YoY
 Top 9.8% in tier
Efficiency Ratio 63.7%
+3.9% YoY+6.5% QoQ
 -14.3% 78.0%
-1.7% YoY
 73.8%
+4.7% YoY
 84.6%
+2.8% YoY
 Top 12.9% in tier
Delinquency Rate 0.7%
+3.7% YoY-20.3% QoQ
 -0.1 0.8%
+7.1% YoY
 1.7%
+17.4% YoY
 1.2%
+3.4% YoY
 55%
Loan To Share 79.0%
-7.1% YoY-5.4% QoQ
 +8.6% 70.4%
-0.4% YoY
 76.1%
-2.5% YoY
 65.6%
-1.4% YoY
 66%
AMR $23,038
+0.8% YoY+1.1% QoQ
 $-2K $24,918
+2.7% YoY
 $23,399
+4.1% YoY
 $19,920
+1.6% YoY
 51%
CD Concentration 22.9%
-6.2% YoY-2.1% QoQ
 -1.3% 24.3% 26.4% 19.8% 50%
Indirect Auto % 40.2%
-7.8% YoY-0.4% QoQ
 +26.4% 13.8% 19.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk
#78 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 7.66%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 40.18%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 4.17%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk
#651 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): 0.02% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk
#470 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 0.86%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.03% points, National: 0.12% points)
but better than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | 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)

Comparing against 1070 peers in tier

Top Strengths (12 metrics)

34
Total Assets
balance_sheet
Value: $467.56M
Peer Median: $196.57M
#34 of 1070 Top 3.1% in 100M-500M tier
37
Total Deposits
balance_sheet
Value: $401.84M
Peer Median: $171.29M
#37 of 1070 Top 3.4% in 100M-500M tier
44
Total Loans
balance_sheet
Value: $317.33M
Peer Median: $121.41M
#44 of 1070 Top 4.0% in 100M-500M tier
59
Total Members
engagement
Value: 31,217
Peer Median: 13,200
#59 of 1070 Top 5.4% in 100M-500M tier
105
Net Interest Margin (NIM)
profitability
Value: 4.50%
Peer Median: 3.62%
#105 of 1070 Top 9.7% in 100M-500M tier
139
Efficiency Ratio
profitability
Value: 63.69%
Peer Median: 78.68%
#139 of 1070 Top 12.9% in 100M-500M tier
149
Member Growth Rate
growth
Value: 4.17%
Peer Median: -0.06%
#149 of 1070 Top 13.8% in 100M-500M tier
154
Deposit Growth Rate
growth
Value: 8.56%
Peer Median: 3.30%
#154 of 1070 Top 14.3% in 100M-500M tier
168
Fee Income Per Member
profitability
Value: $230.11
Peer Median: $154.95
#168 of 1070 Top 15.6% in 100M-500M tier
219
Asset Growth Rate
growth
Value: 7.66%
Peer Median: 3.91%
#219 of 1070 Top 20.4% in 100M-500M tier

Top Weaknesses (2 metrics)

986
Indirect Auto Concentration (%)
balance_sheet
Value: 40.18%
Peer Median: 6.61%
#986 of 1070 Bottom 7.9% in 100M-500M tier
967
Net Charge-Off Rate
risk
Value: 1.08%
Peer Median: 0.35%
#967 of 1070 Bottom 9.7% in 100M-500M tier
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