BlastPoint's Credit Union Scorecard
TRAX
Charter #24703 · FL
TRAX has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 0.5% in tier
- + Total Members: Top 0.6% in tier
- + Total Deposits: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.8% in tier
- - Shrinking Wallet Share: Bottom 10.4% in tier
- - Indirect Auto Dependency: Bottom 23.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 1.88% above tier (higher cost structure)
- - Delinquency rate 0.90% above tier average
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
- - Net Interest Margin (NIM): Bottom 9.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,049
+0.5% YoY+0.1% QoQ
|
+29.4K |
15,628
-3.4% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
Top 0.7% in tier |
| Assets |
$495.4M
+0.5% YoY-1.1% QoQ
|
+$264.1M |
$231.3M
-0.0% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
Top 0.6% in tier |
| Loans |
$204.9M
-8.6% YoY+2.0% QoQ
|
+$57.1M |
$147.8M
-1.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$428.3M
+0.1% YoY-1.5% QoQ
|
+$228.0M |
$200.3M
-0.0% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 0.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-39.4% YoY+71.9% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
2.7%
-0.8% YoY+4.4% QoQ
|
-0.9% |
3.6%
+6.9% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
79.2%
+14.7% YoY+0.5% QoQ
|
+1.9% |
77.3%
-3.0% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
1.8%
+22.1% YoY+21.3% QoQ
|
+0.9 |
0.9%
+7.6% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Top 9.8% in tier |
| Loan To Share |
47.8%
-8.7% YoY+3.6% QoQ
|
-24.9% |
72.7%
-1.5% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.4% in tier |
| AMR |
$14,056
-3.4% YoY-0.6% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
34.3%
-3.6% YoY-0.9% QoQ
|
+9.9% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
31.6%
-17.4% YoY-8.0% QoQ
|
+17.6% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)