BlastPoint's Credit Union Scorecard
TRUGROCER
Charter #17127 · ID
TRUGROCER has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Strong member growth: 5.2% YoY
- + Net Worth Ratio: Top 9.8% in tier
- + Member Growth Rate: Top 10.0% 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
- - ROA 1.92% below tier average
- - Efficiency ratio 37.36% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 5.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,572
+5.2% YoY+2.0% QoQ
|
+7.4K |
15,145
-2.5% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$319.4M
-0.4% YoY+0.9% QoQ
|
+$87.7M |
$231.7M
+0.8% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$149.6M
+0.4% YoY-1.3% QoQ
|
+$5.4M |
$144.1M
+0.2% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$266.6M
-0.2% YoY+1.5% QoQ
|
+$65.4M |
$201.1M
+0.4% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
-1.2%
+183.0% YoY+1524.6% QoQ
|
-1.9% |
0.7%
+5.1% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.9% in tier |
| NIM |
3.1%
+1.0% YoY-4.5% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
19% |
| Efficiency Ratio |
115.4%
+11.2% YoY+19.0% QoQ
|
+37.4% |
78.0%
-1.7% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
0.6%
-18.6% YoY+17.1% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
56.1%
+0.6% YoY-2.8% QoQ
|
-14.3% |
70.4%
-0.4% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$18,436
-4.9% YoY-1.4% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
22.7%
+9.0% YoY+4.7% QoQ
|
-1.6% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)