TRIUS

Charter #17999 | NE

100M-500M (1077 CUs) Micro
12 100M-500M in NE

TRIUS has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.2% in tier
  • + Organic Growth Engine: Top 10.9% in tier
  • + Organic Growth Leader: Top 14.8% in tier
  • + Wallet Share Momentum: Top 22.6% in tier
  • + Relationship Depth Leader: Top 33.7% in tier
  • + ROA 0.04% above tier average
  • + Net Interest Margin 1.51% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.5% in tier
  • - Growth-at-Risk: Bottom 8.1% in tier
  • - Liquidity Strain: Bottom 19.8% in tier
  • - Efficiency Drag: Bottom 21.4% in tier
  • - Margin Compression: Bottom 29.8% in tier
  • - Efficiency ratio 4.99% above tier (higher cost structure)
  • - Delinquency rate 0.50% above tier average
  • - Average Member Relationship (AMR): Bottom 2.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 19,936
+2.7% YoY+1.5% QoQ
 +4.3K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 Top 25.0% in tier
Assets $140.3M
+7.4% YoY+1.6% QoQ
 $-91.0M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 26th in tier
Loans $115.0M
+5.6% YoY+4.3% QoQ
 $-32.8M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 45th in tier
Deposits $122.5M
+7.2% YoY+1.8% QoQ
 $-77.8M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 0.8%
-16.9% YoY+8.2% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 55th in tier
NIM 5.1%
-5.0% YoY+1.0% QoQ
 +1.5% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 2.1% in tier
Efficiency Ratio 82.3%
+2.7% YoY+0.7% QoQ
 +5.0% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 68th in tier
Delinquency Rate 1.4%
+48.9% YoY-10.1% QoQ
 +0.5 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 Top 17.5% in tier
Loan To Share 93.8%
-1.5% YoY+2.5% QoQ
 +21.1% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 9.2% in tier
AMR $11,913
+3.6% YoY+1.5% QoQ
 $-12K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 Bottom 1.9% in tier
CD Concentration 36.7%
+16.1% YoY+3.7% QoQ
 +12.3% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#173 of 627 • Top 9.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.83%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.74%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#201 of 603 • Top 10.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.74%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.83%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#196 of 430 • Top 14.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.74%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#624 of 1006 • Top 22.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#930 of 1006 • Top 33.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.62%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk
#163 of 736 • Bottom 6.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.45% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk
#122 of 446 • Bottom 8.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.65%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.45% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Strain

risk
#154 of 258 • Bottom 19.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 93.83%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.65%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk
#378 of 521 • Bottom 21.4% in tier

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

Why This Signature
Efficiency Ratio: 82.27%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.74%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Margin Compression

decline
#126 of 136 • Bottom 29.8% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.83%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.17% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $140.33M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 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 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
23
Net Interest Margin (NIM)
profitability
Value: 5.09%
Peer Avg: 3.58%
#23 of 1077 Top 2.0% in 100M-500M tier
99
Loan-to-Share Ratio
balance_sheet
Value: 93.83%
Peer Avg: 72.70%
#99 of 1077 Top 9.1% in 100M-500M tier
140
First Mortgage Concentration (%)
balance_sheet
Value: 10.41%
Peer Avg: 30.43%
#140 of 1077 Top 12.9% in 100M-500M tier
196
Fee Income Per Member
profitability
Value: $232.41
Peer Avg: $174.31
#196 of 1077 Top 18.1% in 100M-500M tier
238
Member Growth Rate
growth
Value: 2.74%
Peer Avg: 0.72%
#238 of 1077 Top 22.0% in 100M-500M tier
243
Asset Growth Rate
growth
Value: 7.38%
Peer Avg: 4.70%
#243 of 1077 Top 22.5% in 100M-500M tier
248
Deposit Growth Rate
growth
Value: 7.23%
Peer Avg: 4.69%
#248 of 1077 Top 22.9% in 100M-500M tier
269
Total Members
engagement
Value: 19,936
Peer Avg: 15,628
#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1056
Average Member Relationship (AMR)
engagement
Value: $11,913
Peer Avg: $24,363
#1056 of 1077 Bottom 2.0% in 100M-500M tier
952
Share Certificate Concentration (%)
balance_sheet
Value: 36.67%
Peer Avg: 23.61%
#952 of 1077 Bottom 11.7% in 100M-500M tier
951
Loan-to-Member Ratio (LMR)
engagement
Value: $5,767
Peer Avg: $10,245
#951 of 1077 Bottom 11.8% in 100M-500M tier
897
Net Charge-Off Rate
risk
Value: 0.77%
Peer Avg: 0.47%
#897 of 1077 Bottom 16.8% in 100M-500M tier
890
Total Delinquency Rate (60+ days)
risk
Value: 1.36%
Peer Avg: 0.86%
#890 of 1077 Bottom 17.5% in 100M-500M tier