BlastPoint's Credit Union Scorecard

TRIUS

Charter #17999 · NE

1077 CUs in 100M-500M nationally 12 in NE

TRIUS has 7 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 10.9% in tier
+ Organic Growth Leader: Top 14.8% in tier
+ Emerging Performer: Top 73.2% 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
- Credit Risk Growth: 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	75%
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	26%
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	45%
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	27%

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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% -16.9% YoY+8.2% QoQ	+0.0%	0.8% +15.5% YoY	0.7% +41.5% YoY	0.7% +273.4% YoY	55%
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	68%
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	82%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.8% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

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: 13.97%, 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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.74%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth

#140 of 191 • Top 73.2% 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: 0.83%

(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

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

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

Credit Risk Growth

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: 3.65%, 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: 3.65%, 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

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: 0.83%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.00%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.11% points, National: 0.05% points)

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.09%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.83%

Peer Avg: -

#99 of 1077 Top 9.1% in 100M-500M tier

140

First Mortgage Concentration (%)

balance_sheet

Value: 10.41%

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

196

Fee Income Per Member

profitability

Value: $232.41

Peer Avg: -

#196 of 1077 Top 18.1% in 100M-500M tier

238

Member Growth Rate

growth

Value: 2.74%

Peer Avg: -

#238 of 1077 Top 22.0% in 100M-500M tier

243

Asset Growth Rate

growth

Value: 7.38%

Peer Avg: -

#243 of 1077 Top 22.5% in 100M-500M tier

248

Deposit Growth Rate

growth

Value: 7.23%

Peer Avg: -

#248 of 1077 Top 22.9% in 100M-500M tier

269

Total Members

engagement

Value: 19,936

Peer Avg: -

#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: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

952

Share Certificate Concentration (%)

balance_sheet

Value: 36.67%

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

951

Loan-to-Member Ratio (LMR)

engagement

Value: $5,767

Peer Avg: -

#951 of 1077 Bottom 11.8% in 100M-500M tier

897

Net Charge-Off Rate

risk

Value: 0.77%

Peer Avg: -

#897 of 1077 Bottom 16.8% in 100M-500M tier

890

Total Delinquency Rate (60+ days)

risk

Value: 1.36%

Peer Avg: -

#890 of 1077 Bottom 17.5% in 100M-500M tier