BlastPoint's Credit Union Scorecard
TRUSTAR
Charter #24626 · MN
TRUSTAR has 8 strengths but faces 2 concerns
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 0.56% above tier average
- + Net Interest Margin 0.71% above tier average
- + Fee Income Per Member: Top 6.9% in tier
- + Total Loans: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +6.0% year over year ($314M in shares and deposits).
- Membership: 19,503 members, +3.4% vs a year ago.
- Delinquency rate 0.36%.
- Return on assets 1.43%.
- Efficiency ratio 73.38% vs a 76.73% peer average.
- Loan-to-share ratio 90.02% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,503
+3.4% YoY+1.5% QoQ
|
+4.3K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
76% |
| Assets |
$376.7M
+6.7% YoY+0.7% QoQ
|
+$144.7M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
Top 14.0% in tier |
| Loans |
$282.3M
+12.8% YoY+3.0% QoQ
|
+$136.0M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Top 8.5% in tier |
| Deposits |
$313.5M
+6.0% YoY+0.3% QoQ
|
+$112.8M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
84% |
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| ROA |
1.4%
+4.6% YoY+5.4% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 15.0% in tier |
| NIM |
4.4%
+6.1% YoY+2.2% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Top 13.2% in tier |
| Efficiency Ratio |
73.4%
-2.4% YoY-2.0% QoQ
|
-3.4% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.4%
-50.3% YoY+99.4% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
90.0%
+6.3% YoY+2.7% QoQ
|
+18.5% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 15.0% in tier |
| AMR |
$30,549
+5.5% YoY+0.0% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
15.4%
+4.9% YoY-0.1% QoQ
|
-9.2% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 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 (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)