BlastPoint's Credit Union Scorecard

TRIUS

Charter #17999 · NE

100M-500M

1070 CUs in 100M-500M nationally 12 in NE

TRIUS has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE 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
+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.11% above tier average
+ Net Interest Margin 1.93% above tier average
+ Strong member growth: 5.3% YoY
+ Loan-to-Share Ratio: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 3.56% above tier (higher cost structure)
- Delinquency rate 0.42% above tier average
- Average Member Relationship (AMR): Bottom 3.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	20,483 +5.3% YoY-1.2% QoQ	+5.3K	15,145 -2.5% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	78%
Assets	$152.4M +10.5% YoY+5.8% QoQ	$-79.4M	$231.7M +0.8% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	32%
Loans	$125.5M +15.8% YoY+4.7% QoQ	$-18.6M	$144.1M +0.2% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	52%
Deposits	$134.2M +11.4% YoY+6.8% QoQ	$-66.9M	$201.1M +0.4% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	33%

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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% -33.7% YoY+16.7% QoQ	+0.1%	0.7% +5.1% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	60%
NIM	5.6% +11.0% YoY+8.7% QoQ	+1.9%	3.6% +4.6% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	Top 1.0% in tier
Efficiency Ratio	81.6% +4.0% YoY-1.2% QoQ	+3.6%	78.0% -1.7% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	1.2% +41.9% YoY-20.0% QoQ	+0.4	0.8% +7.1% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	83%
Loan To Share	93.5% +3.9% YoY-1.9% QoQ	+23.1%	70.4% -0.4% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	Top 5.7% in tier
AMR	$12,682 +7.7% YoY+7.1% QoQ	$-12K	$24,918 +2.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	Bottom 3.4% in tier
CD Concentration	36.8% +6.4% YoY-2.5% QoQ	+12.5%	24.3%	22.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#41 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.33%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.84%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#71 of 371 • 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): 5.33%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Emerging Performer

growth

#66 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.84%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 5.33%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#222 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.74%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (5)

Credit Risk Growth

risk

#28 of 476 • 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): 15.77%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.35% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#192 of 727 • 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): 0.35% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Strain

risk

#50 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 93.53%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 15.77%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Margin Compression

decline

#90 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.84%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.26%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.43% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Efficiency Drag

risk

#575 of 596 • 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: 81.58%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.43% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 5.33%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.56%

Peer Median: 3.62%

#11 of 1070 Top 0.9% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.53%

Peer Median: 71.88%

#61 of 1070 Top 5.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 15.77%

Peer Median: 2.93%

#66 of 1070 Top 6.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.42%

Peer Median: 3.30%

#66 of 1070 Top 6.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.51%

Peer Median: 3.91%

#93 of 1070 Top 8.6% in 100M-500M tier

100

Member Growth Rate

growth

Value: 5.33%

Peer Median: -0.06%

#100 of 1070 Top 9.3% in 100M-500M tier

133

First Mortgage Concentration (%)

balance_sheet

Value: 9.96%

Peer Median: 29.47%

#133 of 1070 Top 12.3% in 100M-500M tier

173

AMR Growth Rate

growth

Value: 7.74%

Peer Median: 3.46%

#173 of 1070 Top 16.1% in 100M-500M tier

236

Total Members

engagement

Value: 20,483

Peer Median: 13,200

#236 of 1070 Top 22.0% in 100M-500M tier

Top Weaknesses (4 metrics)

1034

Average Member Relationship (AMR)

engagement

Value: $12,682

Peer Median: $22,931

#1034 of 1070 Bottom 3.5% in 100M-500M tier

955

Share Certificate Concentration (%)

balance_sheet

Value: 36.80%

Peer Median: 23.10%

#955 of 1070 Bottom 10.8% in 100M-500M tier

909

Loan-to-Member Ratio (LMR)

engagement

Value: $6,129

Peer Median: $9,356

#909 of 1070 Bottom 15.1% in 100M-500M tier

890

Total Delinquency Rate (60+ days)

risk

Value: 1.19%

Peer Median: 0.61%

#890 of 1070 Bottom 16.9% in 100M-500M tier