BlastPoint's Credit Union Scorecard
TRIUS
Charter #17999 · NE
TRIUS has 9 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 10.3% in tier
- + Organic Growth Engine: Top 17.5% in tier
- + Emerging Performer: Top 42.5% in tier
- + Net Interest Margin 1.51% above tier average
- + Strong member growth: 7.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.9% in tier
- + Loan-to-Share Ratio: Top 6.5% in tier
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.2% in tier
- - Efficiency Drag: Bottom 81.4% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 5.57% above tier (higher cost structure)
- - Delinquency rate 0.60% above tier average
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Share Certificate Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,736
+7.4% YoY+4.0% QoQ
|
+5.3K |
15,437
-2.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$144.0M
+9.1% YoY+2.6% QoQ
|
$-87.9M |
$231.9M
+1.3% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$119.9M
+13.4% YoY+4.3% QoQ
|
$-27.4M |
$147.3M
-0.1% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$125.7M
+9.0% YoY+2.6% QoQ
|
$-75.1M |
$200.8M
+0.8% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.7%
-14.2% YoY-13.9% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
5.1%
-3.4% YoY+0.4% QoQ
|
+1.5% |
3.6%
+6.7% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
82.6%
+2.3% YoY+0.4% QoQ
|
+5.6% |
77.0%
-3.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
1.5%
-16.2% YoY+9.5% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Top 13.9% in tier |
| Loan To Share |
95.4%
+4.0% YoY+1.7% QoQ
|
+23.2% |
72.2%
-1.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 6.6% in tier |
| AMR |
$11,846
+3.5% YoY-0.6% QoQ
|
$-13K |
$24,676
+3.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.4% in tier |
| CD Concentration |
37.7%
+11.1% YoY+2.9% QoQ
|
+13.3% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)