BlastPoint's Credit Union Scorecard

TRAX

Charter #24703 · FL

100M-500M
1070 CUs in 100M-500M nationally 36 in FL

TRAX has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?
FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Total Members: Top 0.7% in tier
  • + Total Assets: Top 0.9% in tier
  • + Total Deposits: Top 1.6% in tier
  • + Members Per Employee (MPE): Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - ROA 0.41% below tier average
  • - Efficiency ratio 3.18% above tier (higher cost structure)
  • - Delinquency rate 0.64% above tier average
  • - Deposit Growth Rate: Bottom 1.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 45,113
+0.4% YoY+0.1% QoQ
 +30.0K 15,145
-2.5% YoY
 74,034
+8.9% YoY
 33,913
+5.7% YoY
 Top 0.7% in tier
Assets $490.1M
-5.8% YoY+0.5% QoQ
 +$258.4M $231.7M
+0.8% YoY
 $1.2B
+11.7% YoY
 $578.3M
+9.0% YoY
 Top 1.0% in tier
Loans $208.2M
+1.2% YoY+5.5% QoQ
 +$64.1M $144.1M
+0.2% YoY
 $841.5M
+13.6% YoY
 $402.4M
+8.7% YoY
 78%
Deposits $421.1M
-7.4% YoY+0.3% QoQ
 +$219.9M $201.1M
+0.4% YoY
 $1.0B
+12.4% YoY
 $494.3M
+9.1% YoY
 Top 1.7% in tier

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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 0.3%
+158.7% YoY-14.7% QoQ
 -0.4% 0.7%
+5.1% YoY
 0.6%
-11.7% YoY
 0.4%
-39.2% YoY
 24%
NIM 2.8%
+11.5% YoY+0.4% QoQ
 -0.9% 3.6%
+4.6% YoY
 3.6%
+2.7% YoY
 3.8%
+4.1% YoY
 Bottom 7.8% in tier
Efficiency Ratio 81.2%
+2.8% YoY+4.6% QoQ
 +3.2% 78.0%
-1.7% YoY
 80.0%
+2.7% YoY
 84.6%
+2.8% YoY
 59%
Delinquency Rate 1.4%
-1.7% YoY-23.6% QoQ
 +0.6 0.8%
+7.1% YoY
 0.6%
+6.2% YoY
 1.2%
+3.4% YoY
 Bottom 12.3% in tier
Loan To Share 49.5%
+9.3% YoY+5.2% QoQ
 -21.0% 70.4%
-0.4% YoY
 70.1%
+1.4% YoY
 65.6%
-1.4% YoY
 Bottom 11.8% in tier
AMR $13,950
-5.1% YoY+1.9% QoQ
 $-11K $24,918
+2.7% YoY
 $23,044
+4.5% YoY
 $19,920
+1.6% YoY
 Bottom 5.6% in tier
CD Concentration 31.2%
-12.7% YoY-7.0% QoQ
 +6.9% 24.3% 24.4% 19.8% 50%
Indirect Auto % 28.0%
-21.2% YoY-6.7% QoQ
 +14.2% 13.8% 10.8% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Deposit Outflow

decline
#4 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -7.41%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 0.41%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline
#61 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -5.12%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Efficiency Drag

risk
#329 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.20%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.19% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 0.41%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#451 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -5.79%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 27.98%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 0.41%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 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)

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

8
Total Members
engagement
Value: 45,113
Peer Median: 13,200
#8 of 1070 Top 0.7% in 100M-500M tier
11
Total Assets
balance_sheet
Value: $490.12M
Peer Median: $196.57M
#11 of 1070 Top 0.9% in 100M-500M tier
18
Total Deposits
balance_sheet
Value: $421.06M
Peer Median: $171.29M
#18 of 1070 Top 1.6% in 100M-500M tier
88
Members Per Employee (MPE)
engagement
Value: 474.874
Peer Median: 309.176
#88 of 1070 Top 8.1% in 100M-500M tier
232
Total Loans
balance_sheet
Value: $208.25M
Peer Median: $121.41M
#232 of 1070 Top 21.6% in 100M-500M tier
262
First Mortgage Concentration (%)
balance_sheet
Value: 17.15%
Peer Median: 29.47%
#262 of 1070 Top 24.4% in 100M-500M tier

Top Weaknesses (12 metrics)

1053
Deposit Growth Rate
growth
Value: -7.41%
Peer Median: 3.30%
#1053 of 1070 Bottom 1.7% in 100M-500M tier
1044
Asset Growth Rate
growth
Value: -5.79%
Peer Median: 3.91%
#1044 of 1070 Bottom 2.5% in 100M-500M tier
1042
Net Charge-Off Rate
risk
Value: 1.74%
Peer Median: 0.35%
#1042 of 1070 Bottom 2.7% in 100M-500M tier
1028
Loan-to-Member Ratio (LMR)
engagement
Value: $4,616
Peer Median: $9,356
#1028 of 1070 Bottom 4.0% in 100M-500M tier
1014
AMR Growth Rate
growth
Value: -5.12%
Peer Median: 3.46%
#1014 of 1070 Bottom 5.3% in 100M-500M tier
1010
Average Member Relationship (AMR)
engagement
Value: $13,950
Peer Median: $22,931
#1010 of 1070 Bottom 5.7% in 100M-500M tier
987
Net Interest Margin (NIM)
profitability
Value: 2.75%
Peer Median: 3.62%
#987 of 1070 Bottom 7.9% in 100M-500M tier
944
Loan-to-Share Ratio
balance_sheet
Value: 49.46%
Peer Median: 71.88%
#944 of 1070 Bottom 11.9% in 100M-500M tier
939
Total Delinquency Rate (60+ days)
risk
Value: 1.41%
Peer Median: 0.61%
#939 of 1070 Bottom 12.3% in 100M-500M tier
879
Indirect Auto Concentration (%)
balance_sheet
Value: 27.98%
Peer Median: 6.61%
#879 of 1070 Bottom 17.9% in 100M-500M tier
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