TRUGROCER

Charter #17127 | ID

100M-500M (1077 CUs) Micro
9 100M-500M in ID

TRUGROCER has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 12.9% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Worth Ratio: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.6% in tier
  • - Efficiency Drag: Bottom 4.6% in tier
  • - Shrinking Wallet Share: Bottom 7.3% in tier
  • - Deposit Outflow: Bottom 16.0% in tier
  • - Credit Quality Pressure: Bottom 23.1% in tier
  • - ROA 1.11% below tier average
  • - Efficiency ratio 26.33% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 5.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 22,153
+3.1% YoY+1.6% QoQ
 +6.5K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Top 18.8% in tier
Assets $313.9M
-0.8% YoY+0.1% QoQ
 +$82.6M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 Top 24.3% in tier
Loans $153.0M
-3.1% YoY+0.6% QoQ
 +$5.2M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 61st in tier
Deposits $260.5M
-0.6% YoY+0.1% QoQ
 +$60.2M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 73rd in tier
ROA -0.3%
+111.2% YoY+33.6% QoQ
 -1.1% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 Bottom 2.8% in tier
NIM 3.2%
+7.2% YoY+1.4% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 28th in tier
Efficiency Ratio 103.6%
+8.1% YoY+0.7% QoQ
 +26.3% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 Top 1.6% in tier
Delinquency Rate 0.7%
+8.5% YoY-3.1% QoQ
 -0.1 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 55th in tier
Loan To Share 58.8%
-2.5% YoY+0.4% QoQ
 -13.9% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 Bottom 20.1% in tier
AMR $18,664
-4.5% YoY-1.2% QoQ
 $-6K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 27th in tier
CD Concentration 21.6%
+0.2% YoY+1.5% QoQ
 -2.8% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#171 of 430 • Top 12.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.06%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (5)

Liquidity Overhang

risk
#57 of 552 • Bottom 3.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.64%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.75%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Efficiency Drag

risk
#82 of 521 • Bottom 4.6% in tier

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

Why This Signature
Efficiency Ratio: 103.61%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 3.06%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#74 of 244 • Bottom 7.3% in tier

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

Why This Signature
AMR Growth (YoY): -4.45%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline
#95 of 114 • Bottom 16.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.61%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $313.94M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Credit Quality Pressure

risk
#573 of 736 • Bottom 23.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
94
Net Worth Ratio
risk
Value: 16.64%
Peer Avg: 12.15%
#94 of 1077 Top 8.6% in 100M-500M tier
203
Total Members
engagement
Value: 22,153
Peer Avg: 15,628
#203 of 1077 Top 18.8% in 100M-500M tier
205
Member Growth Rate
growth
Value: 3.06%
Peer Avg: 0.72%
#205 of 1077 Top 18.9% in 100M-500M tier
262
Total Assets
balance_sheet
Value: $313.94M
Peer Avg: $231.30M
#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1061
Efficiency Ratio
profitability
Value: 103.61%
Peer Avg: 77.28%
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1047
Return on Assets (ROA)
profitability
Value: -0.32%
Peer Avg: 0.79%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1022
AMR Growth Rate
growth
Value: -4.45%
Peer Avg: 3.64%
#1022 of 1077 Bottom 5.2% in 100M-500M tier
920
Asset Growth Rate
growth
Value: -0.78%
Peer Avg: 4.70%
#920 of 1077 Bottom 14.7% in 100M-500M tier
920
Deposit Growth Rate
growth
Value: -0.61%
Peer Avg: 4.69%
#920 of 1077 Bottom 14.7% in 100M-500M tier
861
Loan Growth Rate
growth
Value: -3.06%
Peer Avg: 3.45%
#861 of 1077 Bottom 20.1% in 100M-500M tier
861
Loan-to-Share Ratio
balance_sheet
Value: 58.75%
Peer Avg: 72.70%
#861 of 1077 Bottom 20.1% in 100M-500M tier
853
Fee Income Per Member
profitability
Value: $111.84
Peer Avg: $174.31
#853 of 1077 Bottom 20.9% in 100M-500M tier
842
Loan-to-Member Ratio (LMR)
engagement
Value: $6,907
Peer Avg: $10,245
#842 of 1077 Bottom 21.9% in 100M-500M tier