BlastPoint's Credit Union Scorecard
TRINITY U.C.C.
Charter #23245 · IL
2596 CUs in <100M nationally
143 in IL
TRINITY U.C.C. has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.80% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.5% in tier
- + Members Per Employee (MPE): Top 5.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Total Loans: Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
- - Net Interest Margin (NIM): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
671
+0.8% YoY-0.4% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$3.8M
+8.7% YoY+2.6% QoQ
|
$-26.0M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$69,091
-15.9% YoY+8.3% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.5% in tier |
| Deposits |
$3.1M
+9.0% YoY+2.6% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
16% |
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| ROA |
1.5%
+124.4% YoY+0.7% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
2.6%
+35.2% YoY-3.0% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
44.0%
-33.5% YoY-4.6% QoQ
|
-37.4% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
2.2%
-22.8% YoY+5.5% QoQ
|
-59.0% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$4,790
+7.5% YoY+3.2% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
92
Efficiency Ratio
profitability
Value:
44.00%
Peer Avg: -
#92 of 2596
Top 3.5% in <100M tier
140
Members Per Employee (MPE)
engagement
Value:
671.000
Peer Avg: -
#140 of 2596
Top 5.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
286
Deposit Growth Rate
growth
Value:
8.98%
Peer Avg: -
#286 of 2596
Top 11.0% in <100M tier
295
Asset Growth Rate
growth
Value:
8.68%
Peer Avg: -
#295 of 2596
Top 11.3% in <100M tier
404
AMR Growth Rate
growth
Value:
7.49%
Peer Avg: -
#404 of 2596
Top 15.5% in <100M tier
Top Weaknesses (10 metrics)
2578
Loan-to-Share Ratio
balance_sheet
Value:
2.20%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2562
Loan-to-Member Ratio (LMR)
engagement
Value:
$102.97
Peer Avg: -
#2562 of 2596
Bottom 1.3% in <100M tier
2532
Total Loans
balance_sheet
Value:
$69,091
Peer Avg: -
#2532 of 2596
Bottom 2.5% in <100M tier
2443
Fee Income Per Member
profitability
Value:
$0.35
Peer Avg: -
#2443 of 2596
Bottom 5.9% in <100M tier
2373
Average Member Relationship (AMR)
engagement
Value:
$4,790
Peer Avg: -
#2373 of 2596
Bottom 8.6% in <100M tier
2343
Net Interest Margin (NIM)
profitability
Value:
2.65%
Peer Avg: -
#2343 of 2596
Bottom 9.8% in <100M tier
2329
Loan Growth Rate
growth
Value:
-15.90%
Peer Avg: -
#2329 of 2596
Bottom 10.3% in <100M tier
2190
Total Assets
balance_sheet
Value:
$3.82M
Peer Avg: -
#2190 of 2596
Bottom 15.7% in <100M tier
2169
Total Deposits
balance_sheet
Value:
$3.14M
Peer Avg: -
#2169 of 2596
Bottom 16.5% in <100M tier
2113
Total Members
engagement
Value:
671
Peer Avg: -
#2113 of 2596
Bottom 18.6% in <100M tier