BlastPoint's Credit Union Scorecard
TRUSERVICE COMMUNITY
Charter #24390 · AR
TRUSERVICE COMMUNITY has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 2.35% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Net Worth Ratio: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,246
-2.4% YoY-0.7% QoQ
|
+2.6K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
Top 12.4% in tier |
| Assets |
$51.6M
-0.1% YoY-0.7% QoQ
|
+$21.4M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$39.8M
-2.1% YoY-0.6% QoQ
|
+$24.1M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
Top 10.5% in tier |
| Deposits |
$46.7M
-1.3% YoY-0.6% QoQ
|
+$21.0M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.3%
+348.3% YoY-22.5% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
4.4%
+12.2% YoY+1.8% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
84.9%
-7.8% YoY+5.5% QoQ
|
+2.4% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.7%
+13.5% YoY+29.0% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
85.3%
-0.8% YoY-0.0% QoQ
|
+24.6% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
Top 14.9% in tier |
| AMR |
$16,494
+0.7% YoY+0.1% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
14.1%
+0.9% YoY+6.7% QoQ
|
-10.3% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % |
0.1%
-57.8% YoY-15.7% QoQ
|
-13.7% | 13.8% | 2.5% | 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)