TRUST
Charter #24629 | TN
100M-500M
(1077 CUs)
Micro
($0-$500M)
25 100M-500M in TN
TRUST has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.8% in tier
- + Relationship Depth Leader: Top 20.3% in tier
- + Emerging Performer: Top 30.6% in tier
- + Net Interest Margin 0.06% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.8% in tier
- - Stagnation Risk: Bottom 7.1% in tier
- - Membership Headwinds: Bottom 7.4% in tier
- - Institutional Decline: Bottom 24.4% in tier
- - Liquidity Overhang: Bottom 34.7% in tier
- - ROA 0.30% below tier average
- - Delinquency rate 2.06% above tier average
- - Member decline: -4.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Share Certificate Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,932
-4.8% YoY-2.8% QoQ
|
-7.7K |
15,628
-3.4% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 15.8% in tier |
| Assets |
$133.4M
+6.0% YoY-0.8% QoQ
|
$-97.9M |
$231.3M
-0.0% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 21.9% in tier |
| Loans |
$101.1M
-0.6% YoY+1.5% QoQ
|
$-46.7M |
$147.8M
-1.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
35th in tier |
| Deposits |
$116.1M
+6.6% YoY-0.5% QoQ
|
$-84.2M |
$200.3M
-0.0% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.8% in tier |
| ROA |
0.5%
-8.3% YoY+54.8% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
31st in tier |
| NIM |
3.6%
-6.6% YoY+1.9% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
54th in tier |
| Efficiency Ratio |
74.0%
-2.8% YoY-9.2% QoQ
|
-3.3% |
77.3%
-3.0% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
37th in tier |
| Delinquency Rate |
2.9%
+23.7% YoY+6.0% QoQ
|
+2.1 |
0.9%
+7.6% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 2.4% in tier |
| Loan To Share |
87.1%
-6.7% YoY+2.0% QoQ
|
+14.4% |
72.7%
-1.5% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 21.1% in tier |
| AMR |
$27,375
+8.4% YoY+3.3% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
74th in tier |
| CD Concentration |
40.8%
+6.3% YoY+4.0% QoQ
|
+16.4% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
10.2%
-24.3% YoY-8.3% QoQ
|
-3.8% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#187 of 1006 • Top 6.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.36%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Relationship Depth Leader
growth
#560 of 1006 • Top 20.3% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.36%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Emerging Performer
growth
#575 of 627 • Top 30.6% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.49%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-4.84%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (5)
Credit Quality Pressure
risk
#121 of 736 • Bottom 4.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.56% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Stagnation Risk
risk
#118 of 550 • Bottom 7.1% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.49%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-4.84%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$27.4K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
40.82%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Membership Headwinds
decline
#122 of 550 • Bottom 7.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-4.84%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#193 of 256 • Bottom 24.4% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$133.42M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-4.84%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-0.59%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#538 of 552 • Bottom 34.7% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.11%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
87.09%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
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)
Top Strengths (4 metrics)
145
AMR Growth Rate
growth
Value:
8.36%
Peer Avg: 3.64%
#145 of 1077
Top 13.4% in 100M-500M tier
148
Fee Income Per Member
profitability
Value:
$248.86
Peer Avg: $174.31
#148 of 1077
Top 13.6% in 100M-500M tier
206
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,743
Peer Avg: $10,245
#206 of 1077
Top 19.0% in 100M-500M tier
227
Loan-to-Share Ratio
balance_sheet
Value:
87.09%
Peer Avg: 72.70%
#227 of 1077
Top 21.0% in 100M-500M tier
Top Weaknesses (7 metrics)
1052
Total Delinquency Rate (60+ days)
risk
Value:
2.92%
Peer Avg: 0.86%
#1052 of 1077
Bottom 2.4% in 100M-500M tier
1008
Share Certificate Concentration (%)
balance_sheet
Value:
40.82%
Peer Avg: 23.61%
#1008 of 1077
Bottom 6.5% in 100M-500M tier
970
Member Growth Rate
growth
Value:
-4.84%
Peer Avg: 0.72%
#970 of 1077
Bottom 10.0% in 100M-500M tier
907
Total Members
engagement
Value:
7,932
Peer Avg: 15,628
#907 of 1077
Bottom 15.9% in 100M-500M tier
894
Members Per Employee (MPE)
engagement
Value:
247.875
Peer Avg: 332.881
#894 of 1077
Bottom 17.1% in 100M-500M tier
841
Total Assets
balance_sheet
Value:
$133.42M
Peer Avg: $231.30M
#841 of 1077
Bottom 22.0% in 100M-500M tier
831
Total Deposits
balance_sheet
Value:
$116.06M
Peer Avg: $200.29M
#831 of 1077
Bottom 22.9% in 100M-500M tier