BlastPoint's Credit Union Scorecard
TRU
Charter #21628 · SC
TRU demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.39% above tier average
- + Total Members: Top 4.5% in tier
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,343
+2.9% YoY+1.3% QoQ
|
+4.7K |
2,676
+1.6% YoY
|
37,268
+3.6% YoY
|
33,913
+5.7% YoY
|
Top 4.5% in tier |
| Assets |
$63.5M
-6.0% YoY-0.5% QoQ
|
+$33.3M |
$30.2M
+1.3% YoY
|
$534.3M
+6.5% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$37.2M
+2.8% YoY+2.2% QoQ
|
+$21.9M |
$15.3M
-2.0% YoY
|
$369.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Top 11.9% in tier |
| Deposits |
$55.4M
-6.8% YoY+0.2% QoQ
|
+$29.6M |
$25.8M
+0.7% YoY
|
$450.9M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
85% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-67.6% YoY-54.4% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.7%
-43.3% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
4.4%
+6.4% YoY+1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.1%
-0.5% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
86.9%
+26.5% YoY+11.0% QoQ
|
-3.8% |
90.6%
+6.5% YoY
|
81.4%
+7.0% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate |
0.4%
+320.3% YoY+6.1% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
0.8%
+19.1% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
67.2%
+10.3% YoY+2.0% QoQ
|
+8.7% |
58.5%
-3.0% YoY
|
69.5%
-0.5% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$12,605
-5.9% YoY-0.3% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,971
+2.3% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
6.6%
+6.6% YoY-5.0% QoQ
|
-17.7% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)