BlastPoint's Credit Union Scorecard
TRUST
Charter #24629 · TN
TRUST has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.11% above tier average
- + AMR Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.29% below tier average
- - Delinquency rate 1.07% above tier average
- - Member decline: -5.7% YoY
- - Share Certificate Concentration (%): Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,704
-5.7% YoY-2.9% QoQ
|
-7.7K |
15,437
-2.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 14.5% in tier |
| Assets |
$136.4M
+6.2% YoY+2.3% QoQ
|
$-95.4M |
$231.9M
+1.3% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$103.7M
+3.9% YoY+2.6% QoQ
|
$-43.6M |
$147.3M
-0.1% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$119.2M
+7.0% YoY+2.7% QoQ
|
$-81.6M |
$200.8M
+0.8% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.5%
-5.2% YoY-4.0% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.7%
-3.9% YoY+2.1% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
76.3%
-3.0% YoY+3.2% QoQ
|
-0.7% |
77.0%
-3.1% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
2.0%
+1.8% YoY-32.9% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
87.0%
-2.9% YoY-0.1% QoQ
|
+14.8% |
72.2%
-1.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$28,937
+11.9% YoY+5.7% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
78% |
| CD Concentration |
41.6%
+6.2% YoY+2.0% QoQ
|
+17.2% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % |
9.0%
-29.8% YoY-11.5% QoQ
|
-4.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (2)
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 (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)