BlastPoint's Credit Union Scorecard
TRU
Charter #21628 · SC
TRU demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 0.39% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 5.0% in tier
- + Fee Income Per Member: Top 8.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,249
+2.6% YoY+0.7% QoQ
|
+4.6K |
2,615
-1.9% YoY
|
37,100
+2.2% YoY
|
33,374
+5.7% YoY
|
Top 5.1% in tier |
| Assets |
$63.9M
-3.9% YoY-4.1% QoQ
|
+$33.7M |
$30.1M
+2.1% YoY
|
$523.8M
+6.7% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$36.4M
+4.0% YoY-1.1% QoQ
|
+$20.6M |
$15.8M
-1.3% YoY
|
$367.9M
+7.3% YoY
|
$397.0M
+8.8% YoY
|
Top 13.2% in tier |
| Deposits |
$55.3M
-7.6% YoY-5.0% QoQ
|
+$29.6M |
$25.7M
+1.4% YoY
|
$439.0M
+5.8% YoY
|
$477.3M
+9.7% YoY
|
85% |
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| ROA |
1.1%
+411.4% YoY-20.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
1.0%
+5.1% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
4.3%
+9.4% YoY+2.8% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.2%
+0.5% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
78.3%
-5.2% YoY+4.7% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
76.9%
-0.6% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
0.3%
+22.6% YoY+3.1% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.0%
+13.3% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
65.9%
+12.5% YoY+4.1% QoQ
|
+5.2% |
60.6%
-3.1% YoY
|
71.5%
-0.9% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$12,645
-5.7% YoY-4.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,782
+2.9% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
7.0%
+16.7% YoY+5.3% QoQ
|
-17.5% | 24.4% | 17.8% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.9% | 7.8% | 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)