BlastPoint's Credit Union Scorecard

TRUSTAR

Charter #24626 · MN

1069 CUs in 100M-500M nationally 31 in MN

TRUSTAR has 9 strengths but faces 1 concern

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 17.2% in tier
+ Organic Growth Leader: Top 46.8% in tier
+ Relationship Depth Leader: Top 48.7% in tier
+ Wallet Share Momentum: Top 98.6% in tier
+ ROA 0.40% above tier average
+ Net Interest Margin 0.35% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Fee Income Per Member: Top 6.6% in tier
+ Net Charge-Off Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Members Per Employee (MPE): Bottom 7.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	19,118 +2.8% YoY+0.5% QoQ	+3.7K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	73%
Assets	$365.6M +6.5% YoY+0.6% QoQ	+$133.8M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	84%
Loans	$271.0M +10.2% YoY+3.5% QoQ	+$123.6M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	Top 10.1% in tier
Deposits	$304.1M +6.0% YoY+0.2% QoQ	+$103.3M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	82%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +37.7% YoY-20.2% QoQ	+0.4%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	78%
NIM	4.0% +5.3% YoY-5.7% QoQ	+0.3%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	76.2% -7.2% YoY+4.6% QoQ	-0.8%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.4% -29.8% YoY-48.0% QoQ	-0.5	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	22%
Loan To Share	89.1% +3.9% YoY+3.3% QoQ	+16.9%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	84%
AMR	$30,081 +5.0% YoY+1.2% QoQ	+$5K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	82%
CD Concentration	15.3% +6.7% YoY+1.3% QoQ	-9.1%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#103 of 595 • Top 17.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.16%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#200 of 426 • Top 46.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#131 of 268 • Top 48.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.02%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#506 of 513 • Top 98.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.02%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (15 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $287.48

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

108

Total Loans

balance_sheet

Value: $270.99M

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

144

Loan-to-Member Ratio (LMR)

engagement

Value: $14,175

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

154

Net Worth Ratio

risk

Value: 15.15%

Peer Median: -

#154 of 1069 Top 14.3% in 100M-500M tier

163

Loan Growth Rate

growth

Value: 10.18%

Peer Median: -

#163 of 1069 Top 15.2% in 100M-500M tier

168

Total Assets

balance_sheet

Value: $365.64M

Peer Median: -

#168 of 1069 Top 15.6% in 100M-500M tier

176

Loan-to-Share Ratio

balance_sheet

Value: 89.12%

Peer Median: -

#176 of 1069 Top 16.4% in 100M-500M tier

190

Average Member Relationship (AMR)

engagement

Value: $30,081

Peer Median: -

#190 of 1069 Top 17.7% in 100M-500M tier

Top Weaknesses (2 metrics)

994

Members Per Employee (MPE)

engagement

Value: 212.422

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

808

First Mortgage Concentration (%)

balance_sheet

Value: 42.33%

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier