BlastPoint's Credit Union Scorecard

TRUGROCER

Charter #17127 · ID

100M-500M

1024 CUs in 100M-500M nationally 7 in ID

TRUGROCER has 4 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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Strong member growth: 5.9% YoY
+ Member Growth Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency ratio 34.41% above tier (higher cost structure)
- AMR Growth Rate: Bottom 6.6% 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 7 that size in Idaho.
Shares and deposits +3.0% year over year ($268M in shares and deposits).
Membership: 23,094 members, +5.9% vs a year ago.
Delinquency rate 0.81%.
Return on assets 0.85%.
Efficiency ratio 111.14% vs a 76.73% peer average.
Loan-to-share ratio 57.34% 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 (ID)	National Avg	Tier Percentile
Members	23,094 +5.9% YoY+2.3% QoQ	+7.9K	15,168 -2.6% YoY	72,350 +37.4% YoY	34,678 +6.6% YoY	85%
Assets	$320.1M +2.1% YoY+0.2% QoQ	+$88.1M	$232.0M +0.7% YoY	$1.3B +42.1% YoY	$593.1M +10.2% YoY	77%
Loans	$153.6M +0.9% YoY+2.7% QoQ	+$7.3M	$146.3M +0.2% YoY	$1.1B +44.8% YoY	$418.6M +10.1% YoY	62%
Deposits	$267.8M +3.0% YoY+0.5% QoQ	+$67.1M	$200.7M +0.2% YoY	$1.1B +40.5% YoY	$504.8M +10.3% YoY	75%

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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	0.8% -449.3% YoY-171.4% QoQ	+0.0%	0.9% +12.5% YoY	0.8% -11.7% YoY	1.2% +121.4% YoY	56%
NIM	3.2% -0.2% YoY+2.8% QoQ	-0.5%	3.7% +4.5% YoY	3.6% +0.7% YoY	3.8% +2.3% YoY	21%
Efficiency Ratio	111.1% +8.0% YoY-3.7% QoQ	+34.4%	76.7% -0.8% YoY	77.8% +6.1% YoY	83.0% -5.3% YoY	Bottom 0.8% in tier
Delinquency Rate	0.8% +7.4% YoY+44.2% QoQ	-0.1	0.9% +6.6% YoY	0.7% -36.1% YoY	1.3% +2.6% YoY	57%
Loan To Share	57.3% -2.0% YoY+2.2% QoQ	-14.2%	71.5% -0.3% YoY	87.8% +3.1% YoY	66.4% -1.4% YoY	22%
AMR	$18,246 -3.5% YoY-1.0% QoQ	$-7K	$25,107 +3.2% YoY	$26,672 +11.3% YoY	$20,028 -0.9% YoY	21%
CD Concentration	23.3% +9.2% YoY+2.6% QoQ	-1.3%	24.6%	31.4%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#32 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.88%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.85%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Organic Growth Leader

growth

#52 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.88%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (5)

Shrinking Wallet Share

decline

#85 of 223 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -3.46%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank worsening

Efficiency Drag

risk

#316 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 111.14%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 1.09% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 5.88%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Liquidity Overhang

risk

#98 of 130 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 16.03%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 57.34%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#571 of 693 • 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): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk

#461 of 472 • 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): 0.94%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | 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 1024 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Member Growth Rate

growth

Value: 5.88%

Peer Median: -0.03%

#77 of 1024 Top 7.4% in 100M-500M tier

124

Net Worth Ratio

risk

Value: 16.03%

Peer Median: 11.71%

#124 of 1024 Top 12.0% in 100M-500M tier

158

Total Members

engagement

Value: 23,094

Peer Median: 13,128

#158 of 1024 Top 15.3% in 100M-500M tier

240

Total Assets

balance_sheet

Value: $320.13M

Peer Median: $196.38M

#240 of 1024 Top 23.3% in 100M-500M tier

255

Total Deposits

balance_sheet

Value: $267.80M

Peer Median: $170.77M

#255 of 1024 Top 24.8% in 100M-500M tier

Top Weaknesses (7 metrics)

1017

Efficiency Ratio

profitability

Value: 111.14%

Peer Median: 77.26%

#1017 of 1024 Bottom 0.8% in 100M-500M tier

957

AMR Growth Rate

growth

Value: -3.46%

Peer Median: 3.53%

#957 of 1024 Bottom 6.6% in 100M-500M tier

841

Loan-to-Member Ratio (LMR)

engagement

Value: $6,649

Peer Median: $9,434

#841 of 1024 Bottom 18.0% in 100M-500M tier

808

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.67%

#808 of 1024 Bottom 21.2% in 100M-500M tier

805

Average Member Relationship (AMR)

engagement

Value: $18,246

Peer Median: $23,006

#805 of 1024 Bottom 21.5% in 100M-500M tier

802

Loan-to-Share Ratio

balance_sheet

Value: 57.34%

Peer Median: 73.07%

#802 of 1024 Bottom 21.8% in 100M-500M tier

791

Fee Income Per Member

profitability

Value: $113.13

Peer Median: $159.88

#791 of 1024 Bottom 22.9% in 100M-500M tier