BlastPoint's Credit Union Scorecard
TRUNORTHERN
Charter #21026 · NY
TRUNORTHERN has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.26% above tier average
- + Loan Growth Rate: Top 0.7% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 6.1% 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
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 4.20% above tier (higher cost structure)
- - Total Assets: Bottom 4.2% in tier
- - Total Members: Bottom 5.2% in tier
- - Total Deposits: Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,810
+3.8% YoY+0.7% QoQ
|
-9.6K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$106.2M
+12.7% YoY-0.4% QoQ
|
$-125.7M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.1% in tier |
| Loans |
$64.4M
+39.3% YoY-0.8% QoQ
|
$-83.0M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.4% in tier |
| Deposits |
$95.9M
+11.3% YoY-0.6% QoQ
|
$-104.9M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 7.0% in tier |
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| ROA |
0.7%
-7.3% YoY+6.1% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
3.9%
+3.3% YoY+0.8% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
81.2%
+1.3% YoY+1.2% QoQ
|
+4.2% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.8%
+18.7% YoY+92.1% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
67.1%
+25.1% YoY-0.2% QoQ
|
-5.1% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$27,586
+16.6% YoY-1.4% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
16.7%
-7.6% YoY-12.5% QoQ
|
-7.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)