BlastPoint's Credit Union Scorecard

TRUSTAR

Charter #24626 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

TRUSTAR has 7 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.63% above tier average
+ Net Interest Margin 0.67% above tier average
+ Total Loans: Top 8.7% in tier

Key Concerns

Areas that may need attention

- Members Per Employee (MPE): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	19,213 +2.9% YoY+0.5% QoQ	+4.1K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	75%
Assets	$374.2M +6.0% YoY+2.3% QoQ	+$142.5M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	Top 14.4% in tier
Loans	$274.1M +12.0% YoY+1.2% QoQ	+$130.0M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Top 8.8% in tier
Deposits	$312.6M +5.5% YoY+2.8% QoQ	+$111.4M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	83%

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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	1.4% +17.8% YoY+16.4% QoQ	+0.6%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	85%
NIM	4.3% +5.9% YoY+8.9% QoQ	+0.7%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	Top 14.6% in tier
Efficiency Ratio	74.8% -5.4% YoY-1.8% QoQ	-3.2%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	37%
Delinquency Rate	0.2% -45.7% YoY-51.2% QoQ	-0.6	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Top 11.9% in tier
Loan To Share	87.7% +6.2% YoY-1.6% QoQ	+17.3%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	85%
AMR	$30,537 +5.4% YoY+1.5% QoQ	+$6K	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	82%
CD Concentration	15.4% +9.2% YoY+0.8% QoQ	-8.9%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#38 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.88%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.35%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#163 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.88%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#121 of 257 • Top 50.0% 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): 5.44%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.4K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#441 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.44%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 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 1070 peers in tier

Top Strengths (16 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $274.13M

Peer Median: $121.41M

#94 of 1070 Top 8.7% in 100M-500M tier

116

Net Charge-Off Rate

risk

Value: 0.04%

Peer Median: 0.35%

#116 of 1070 Top 10.7% in 100M-500M tier

123

Loan Growth Rate

growth

Value: 12.04%

Peer Median: 2.93%

#123 of 1070 Top 11.4% in 100M-500M tier

126

Fee Income Per Member

profitability

Value: $245.42

Peer Median: $154.95

#126 of 1070 Top 11.7% in 100M-500M tier

128

Total Delinquency Rate (60+ days)

risk

Value: 0.18%

Peer Median: 0.61%

#128 of 1070 Top 11.9% in 100M-500M tier

145

Loan-to-Member Ratio (LMR)

engagement

Value: $14,268

Peer Median: $9,356

#145 of 1070 Top 13.5% in 100M-500M tier

150

Net Worth Ratio

risk

Value: 15.15%

Peer Median: 11.45%

#150 of 1070 Top 13.9% in 100M-500M tier

154

Total Assets

balance_sheet

Value: $374.21M

Peer Median: $196.57M

#154 of 1070 Top 14.3% in 100M-500M tier

156

Net Interest Margin (NIM)

profitability

Value: 4.30%

Peer Median: 3.62%

#156 of 1070 Top 14.5% in 100M-500M tier

Top Weaknesses (2 metrics)

984

Members Per Employee (MPE)

engagement

Value: 215.876

Peer Median: 309.176

#984 of 1070 Bottom 8.1% in 100M-500M tier

831

First Mortgage Concentration (%)

balance_sheet

Value: 43.25%

Peer Median: 29.47%

#831 of 1070 Bottom 22.4% in 100M-500M tier