BlastPoint's Credit Union Scorecard

TRUGROCER

Charter #17127 · ID

1069 CUs in 100M-500M nationally 9 in ID

TRUGROCER has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 26.3% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 23.3% in tier
- Shrinking Wallet Share: Bottom 23.7% in tier
- Liquidity Overhang: Bottom 56.7% in tier
- Deposit Outflow: Bottom 72.1% in tier
- ROA 0.84% below tier average
- Efficiency ratio 19.91% above tier (higher cost structure)
- AMR Growth Rate: Bottom 3.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	22,136 +4.3% YoY-0.1% QoQ	+6.7K	15,437 -2.9% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	82%
Assets	$316.5M -0.9% YoY+0.8% QoQ	+$84.6M	$231.9M +1.3% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	76%
Loans	$151.5M -1.5% YoY-1.0% QoQ	+$4.1M	$147.3M -0.1% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	61%
Deposits	$262.5M -1.1% YoY+0.8% QoQ	+$61.7M	$200.8M +0.8% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.1% -71.2% YoY-77.5% QoQ	-0.8%	0.8% +18.2% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	Bottom 5.7% in tier
NIM	3.2% +5.3% YoY+0.2% QoQ	-0.4%	3.6% +6.7% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	96.9% -0.9% YoY-6.5% QoQ	+19.9%	77.0% -3.1% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	Top 3.6% in tier
Delinquency Rate	0.5% -22.4% YoY-34.3% QoQ	-0.4	0.9% +4.2% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	31%
Loan To Share	57.7% -0.5% YoY-1.8% QoQ	-14.5%	72.2% -1.1% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	20%
AMR	$18,701 -5.3% YoY+0.2% QoQ	$-6K	$24,676 +3.4% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	26%
CD Concentration	21.7% +2.5% YoY+0.2% QoQ	-2.8%	24.4%	27.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.9%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#113 of 426 • Top 26.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (4)

Efficiency Drag

risk

#126 of 538 • Bottom 23.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.93%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 4.26%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#50 of 208 • Bottom 23.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.30%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Liquidity Overhang

risk

#77 of 135 • Bottom 56.7% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.65%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 57.70%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

Deposit Outflow

decline

#50 of 69 • Bottom 72.1% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.10%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 4.26%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.65%

Peer Median: -

#94 of 1069 Top 8.7% in 100M-500M tier

133

Member Growth Rate

growth

Value: 4.26%

Peer Median: -

#133 of 1069 Top 12.3% in 100M-500M tier

190

Total Members

engagement

Value: 22,136

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

260

Total Assets

balance_sheet

Value: $316.45M

Peer Median: -

#260 of 1069 Top 24.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1031

Efficiency Ratio

profitability

Value: 96.93%

Peer Median: -

#1031 of 1069 Bottom 3.6% in 100M-500M tier

1028

AMR Growth Rate

growth

Value: -5.30%

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1008

Return on Assets (ROA)

profitability

Value: -0.07%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

948

Asset Growth Rate

growth

Value: -0.86%

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

938

Deposit Growth Rate

growth

Value: -1.10%

Peer Median: -

#938 of 1069 Bottom 12.3% in 100M-500M tier

861

Loan-to-Share Ratio

balance_sheet

Value: 57.70%

Peer Median: -

#861 of 1069 Bottom 19.6% in 100M-500M tier

848

Loan-to-Member Ratio (LMR)

engagement

Value: $6,842

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier