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BlastPoint's Credit Union Scorecard

TRIUS

Charter #17999 · NE

100M-500M
1024 CUs in 100M-500M nationally 12 in NE

TRIUS has 8 strengths but faces 6 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
  • + Net Interest Margin 1.82% above tier average
  • + Strong member growth: 5.8% YoY
  • + Loan-to-Share Ratio: Top 6.8% in tier
  • + Deposit Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.18% below tier average
  • - Efficiency ratio 4.94% above tier (higher cost structure)
  • - Delinquency rate 0.44% above tier average
  • - Average Member Relationship (AMR): Bottom 2.6% 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 12 that size in Nebraska.
  • Shares and deposits +10.7% year over year ($133M in shares and deposits).
  • Membership: 20,786 members, +5.8% vs a year ago.
  • Delinquency rate 1.32%.
  • Return on assets 0.69%.
  • Efficiency ratio 81.67% vs a 76.73% peer average.
  • Loan-to-share ratio 94.19% 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 (NE) National Avg Tier Percentile
Members 20,786
+5.8% YoY+1.5% QoQ
 +5.6K 15,168
-2.6% YoY
 11,070
-2.8% YoY
 34,678
+6.6% YoY
 79%
Assets $152.3M
+10.3% YoY-0.0% QoQ
 $-79.7M $232.0M
+0.7% YoY
 $139.7M
+2.9% YoY
 $593.1M
+10.2% YoY
 31%
Loans $125.5M
+13.9% YoY-0.1% QoQ
 $-20.8M $146.3M
+0.2% YoY
 $101.1M
+5.0% YoY
 $418.6M
+10.1% YoY
 51%
Deposits $133.2M
+10.7% YoY-0.8% QoQ
 $-67.5M $200.7M
+0.2% YoY
 $119.4M
+3.3% YoY
 $504.8M
+10.3% YoY
 32%

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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 0.7%
-10.6% YoY-17.7% QoQ
 -0.2% 0.9%
+12.5% YoY
 1.1%
+69.2% YoY
 1.2%
+121.4% YoY
 44%
NIM 5.5%
+9.2% YoY-1.0% QoQ
 +1.8% 3.7%
+4.5% YoY
 4.1%
+6.3% YoY
 3.8%
+2.3% YoY
 Top 0.9% in tier
Efficiency Ratio 81.7%
-0.1% YoY+0.1% QoQ
 +4.9% 76.7%
-0.8% YoY
 79.7%
-2.7% YoY
 83.0%
-5.3% YoY
 64%
Delinquency Rate 1.3%
-12.7% YoY+10.9% QoQ
 +0.4 0.9%
+6.6% YoY
 1.2%
+28.5% YoY
 1.3%
+2.6% YoY
 81%
Loan To Share 94.2%
+2.9% YoY+0.7% QoQ
 +22.7% 71.5%
-0.3% YoY
 69.5%
+0.0% YoY
 66.4%
-1.4% YoY
 Top 6.9% in tier
AMR $12,446
+6.0% YoY-1.9% QoQ
 $-13K $25,107
+3.2% YoY
 $17,408
+1.9% YoY
 $20,028
-0.9% YoY
 Bottom 2.5% in tier
CD Concentration 35.6%
+0.7% YoY-3.3% QoQ
 +11.0% 24.6% 22.2% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 5.2% 7.7% 50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#52 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.84%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 0.69%
(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 | Rank improving

Organic Growth Leader

growth
#53 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): 5.84%
(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

Emerging Performer

growth
#90 of 175 • 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: 0.69%
(Tier: 0.85%, National: 1.23%)
but worse than tier avg
Member Growth (YoY): 5.84%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Wallet Share Momentum

growth
#378 of 483 • 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): 6.03%
(Tier: 3.97%, National: 35.20%)
better than tier avg
483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally
↑ Growing +52 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#62 of 224 • 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: 94.19%
(Tier: 73.56%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 13.87%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally
↓ Shrinking -11 CUs YoY | Rank improving

Efficiency Drag

risk
#448 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: 81.67%
(Tier: 76.58%, National: 82.97%)
worse than tier avg
ROA Change (YoY): -0.08% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
Member Growth (YoY): 5.84%
(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

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 1024 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
9
Net Interest Margin (NIM)
profitability
Value: 5.51%
Peer Median: 3.67%
#9 of 1024 Top 0.8% in 100M-500M tier
71
Loan-to-Share Ratio
balance_sheet
Value: 94.19%
Peer Median: 73.07%
#71 of 1024 Top 6.8% in 100M-500M tier
74
Deposit Growth Rate
growth
Value: 10.70%
Peer Median: 3.58%
#74 of 1024 Top 7.1% in 100M-500M tier
78
Member Growth Rate
growth
Value: 5.84%
Peer Median: -0.03%
#78 of 1024 Top 7.5% in 100M-500M tier
87
Loan Growth Rate
growth
Value: 13.87%
Peer Median: 3.02%
#87 of 1024 Top 8.4% in 100M-500M tier
88
Asset Growth Rate
growth
Value: 10.34%
Peer Median: 4.12%
#88 of 1024 Top 8.5% in 100M-500M tier
146
First Mortgage Concentration (%)
balance_sheet
Value: 11.23%
Peer Median: 29.92%
#146 of 1024 Top 14.2% in 100M-500M tier
217
Total Members
engagement
Value: 20,786
Peer Median: 13,128
#217 of 1024 Top 21.1% in 100M-500M tier
247
Fee Income Per Member
profitability
Value: $209.38
Peer Median: $159.88
#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

998
Average Member Relationship (AMR)
engagement
Value: $12,446
Peer Median: $23,006
#998 of 1024 Bottom 2.6% in 100M-500M tier
894
Loan-to-Member Ratio (LMR)
engagement
Value: $6,037
Peer Median: $9,434
#894 of 1024 Bottom 12.8% in 100M-500M tier
877
Share Certificate Concentration (%)
balance_sheet
Value: 35.60%
Peer Median: 23.39%
#877 of 1024 Bottom 14.5% in 100M-500M tier
863
Net Charge-Off Rate
risk
Value: 0.77%
Peer Median: 0.34%
#863 of 1024 Bottom 15.8% in 100M-500M tier
828
Total Delinquency Rate (60+ days)
risk
Value: 1.32%
Peer Median: 0.71%
#828 of 1024 Bottom 19.2% in 100M-500M tier
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