BlastPoint's Credit Union Scorecard
TRU
Charter #21628 · SC
TRU has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Total Members: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 0.38% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 23 that size in South Carolina.
- Shares and deposits -7.0% year over year ($54.9M in shares and deposits).
- Membership: 7,403 members, +3.3% vs a year ago.
- Delinquency rate 0.42%.
- Return on assets 0.12%.
- Efficiency ratio 89.14% vs a 88.77% peer average.
- Loan-to-share ratio 68.16% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,403
+3.3% YoY+0.8% QoQ
|
+4.8K |
2,585
-1.7% YoY
|
38,222
+5.6% YoY
|
34,678
+6.6% YoY
|
Top 4.2% in tier |
| Assets |
$63.4M
-5.9% YoY-0.3% QoQ
|
+$33.1M |
$30.3M
+1.5% YoY
|
$548.9M
+9.6% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$37.4M
+1.0% YoY+0.6% QoQ
|
+$22.0M |
$15.5M
-1.7% YoY
|
$385.7M
+10.8% YoY
|
$418.6M
+10.1% YoY
|
Top 12.0% in tier |
| Deposits |
$54.9M
-7.0% YoY-0.9% QoQ
|
+$29.1M |
$25.8M
+1.1% YoY
|
$462.6M
+9.2% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.1%
-91.7% YoY-76.9% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
-19.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.4% in tier |
| NIM |
4.4%
+7.5% YoY+0.5% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
4.2%
-1.3% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
89.1%
+20.6% YoY+2.6% QoQ
|
+0.4% |
88.8%
-6.9% YoY
|
79.7%
+5.8% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
0.4%
+109.9% YoY+16.6% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.1%
+14.2% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
68.2%
+8.5% YoY+1.4% QoQ
|
+9.3% |
58.9%
-3.1% YoY
|
70.2%
-0.9% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$12,467
-7.0% YoY-1.1% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$17,221
+4.1% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
6.7%
+4.3% YoY+0.6% QoQ
|
-17.9% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.0% | 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)