BlastPoint's Credit Union Scorecard
TRUSTAR
Charter #24626 · MN
TRUSTAR has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.4% in tier
- + Organic Growth Leader: Top 17.5% in tier
- + Profitability Leader: Top 49.9% in tier
- + Relationship Depth Leader: Top 64.1% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.6% in tier
- - Credit Risk Growth: Bottom 10.1% in tier
- - Members Per Employee (MPE): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,018
+2.3% YoY+0.8% QoQ
|
+3.4K |
15,628
-3.4% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$363.6M
+5.8% YoY+2.9% QoQ
|
+$132.3M |
$231.3M
-0.0% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$261.7M
+5.8% YoY+4.6% QoQ
|
+$113.9M |
$147.8M
-1.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 11.6% in tier |
| Deposits |
$303.5M
+5.9% YoY+2.6% QoQ
|
+$103.2M |
$200.3M
-0.0% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
1.5%
+21.6% YoY+6.9% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Top 13.6% in tier |
| NIM |
4.2%
+5.4% YoY+1.1% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
72.9%
-5.2% YoY-3.1% QoQ
|
-4.4% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.7%
+82.2% YoY-1.9% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
86.2%
-0.1% YoY+1.9% QoQ
|
+13.5% |
72.7%
-1.5% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$29,719
+3.5% YoY+2.7% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
83% |
| CD Concentration |
15.1%
+7.6% YoY+2.9% QoQ
|
-9.3% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)