BlastPoint's Credit Union Scorecard
TRUNORTHERN
Charter #21026 · NY
TRUNORTHERN has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.24% above tier average
- + Net Charge-Off Rate: Top 1.4% in tier
- + Loan Growth Rate: Top 1.9% in tier
- + Asset Growth Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 8.04% above tier (higher cost structure)
- - Total Members: Bottom 5.9% in tier
- - Total Assets: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,873
+4.6% YoY+1.1% QoQ
|
-9.3K |
15,145
-2.5% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 5.8% in tier |
| Assets |
$110.7M
+12.4% YoY+4.2% QoQ
|
$-121.0M |
$231.7M
+0.8% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.4% in tier |
| Loans |
$66.8M
+24.9% YoY+3.8% QoQ
|
$-77.4M |
$144.1M
+0.2% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 14.9% in tier |
| Deposits |
$100.4M
+12.0% YoY+4.6% QoQ
|
$-100.8M |
$201.1M
+0.4% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.7% in tier |
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| ROA |
0.7%
+1.1% YoY-7.2% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.9%
-3.4% YoY+0.1% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
86.1%
+10.7% YoY+6.0% QoQ
|
+8.0% |
78.0%
-1.7% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
75% |
| Delinquency Rate |
0.3%
-41.9% YoY-58.0% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
66.6%
+11.5% YoY-0.8% QoQ
|
-3.9% |
70.4%
-0.4% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$28,461
+11.7% YoY+3.2% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
76% |
| CD Concentration |
17.0%
-12.5% YoY+1.4% QoQ
|
-7.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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 (1)
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)