BlastPoint's Credit Union Scorecard
TRINITY U.C.C.
Charter #23245 · IL
<100M
2556 CUs in <100M nationally
138 in IL
TRINITY U.C.C. has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.3% in tier
- + Deposit Growth Rate: Top 6.6% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + Efficiency Ratio: Top 7.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
- - Total Loans: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 4.1% in tier
- - Fee Income Per Member: Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
668
+2.1% YoY-0.4% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$3.9M
+11.0% YoY+3.2% QoQ
|
$-26.2M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$61,001
-18.0% YoY-11.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.3% in tier |
| Deposits |
$3.3M
+12.2% YoY+4.1% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.9%
+54.6% YoY-38.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
62% |
| NIM |
2.1%
+10.9% YoY-22.1% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
55.6%
-18.4% YoY+26.4% QoQ
|
-26.9% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
1.9%
-26.9% YoY-15.2% QoQ
|
-58.8% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$4,994
+9.1% YoY+4.3% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
137
Members Per Employee (MPE)
engagement
Value:
668.000
Peer Median: -
#137 of 2556
Top 5.3% in <100M tier
170
Deposit Growth Rate
growth
Value:
12.20%
Peer Median: -
#170 of 2556
Top 6.6% in <100M tier
187
Asset Growth Rate
growth
Value:
11.04%
Peer Median: -
#187 of 2556
Top 7.3% in <100M tier
198
Efficiency Ratio
profitability
Value:
55.62%
Peer Median: -
#198 of 2556
Top 7.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
294
AMR Growth Rate
growth
Value:
9.11%
Peer Median: -
#294 of 2556
Top 11.5% in <100M tier
Top Weaknesses (10 metrics)
2542
Loan-to-Share Ratio
balance_sheet
Value:
1.86%
Peer Median: -
#2542 of 2556
Bottom 0.6% in <100M tier
2525
Loan-to-Member Ratio (LMR)
engagement
Value:
$91.32
Peer Median: -
#2525 of 2556
Bottom 1.3% in <100M tier
2498
Total Loans
balance_sheet
Value:
$61,001
Peer Median: -
#2498 of 2556
Bottom 2.3% in <100M tier
2451
Net Interest Margin (NIM)
profitability
Value:
2.06%
Peer Median: -
#2451 of 2556
Bottom 4.1% in <100M tier
2398
Fee Income Per Member
profitability
Value:
$0.71
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2371
Loan Growth Rate
growth
Value:
-18.00%
Peer Median: -
#2371 of 2556
Bottom 7.3% in <100M tier
2322
Average Member Relationship (AMR)
engagement
Value:
$4,994
Peer Median: -
#2322 of 2556
Bottom 9.2% in <100M tier
2152
Total Assets
balance_sheet
Value:
$3.94M
Peer Median: -
#2152 of 2556
Bottom 15.8% in <100M tier
2130
Total Deposits
balance_sheet
Value:
$3.28M
Peer Median: -
#2130 of 2556
Bottom 16.7% in <100M tier
2090
Total Members
engagement
Value:
668
Peer Median: -
#2090 of 2556
Bottom 18.3% in <100M tier