BlastPoint's Credit Union Scorecard
TRAX
Charter #24703 · FL
TRAX has 4 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 0.7% in tier
- + Total Assets: Top 1.4% in tier
- + Total Deposits: Top 1.6% in tier
- + Members Per Employee (MPE): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 10.3% in tier
- - Shrinking Wallet Share: Bottom 19.3% in tier
- - Credit Quality Pressure: Bottom 80.5% in tier
- - Indirect Auto Dependency: Bottom 84.8% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 0.63% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 3.8% in tier
- - Loan Growth Rate: Bottom 4.7% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Average Member Relationship (AMR): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 8.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
- - Net Interest Margin (NIM): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,052
+0.4% YoY+0.0% QoQ
|
+29.6K |
15,437
-2.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 0.8% in tier |
| Assets |
$487.7M
-3.3% YoY-1.6% QoQ
|
+$255.9M |
$231.9M
+1.3% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 1.5% in tier |
| Loans |
$197.3M
-8.5% YoY-3.7% QoQ
|
+$50.0M |
$147.3M
-0.1% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$419.6M
-4.6% YoY-2.0% QoQ
|
+$218.8M |
$200.8M
+0.8% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 1.7% in tier |
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| ROA |
0.4%
-12.7% YoY+37.4% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.7%
+4.2% YoY+2.2% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
77.6%
+11.6% YoY-1.9% QoQ
|
+0.6% |
77.0%
-3.1% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
1.9%
+4.2% YoY+5.1% QoQ
|
+1.0 |
0.9%
+4.2% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.9% in tier |
| Loan To Share |
47.0%
-4.1% YoY-1.7% QoQ
|
-25.2% |
72.2%
-1.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.3% in tier |
| AMR |
$13,694
-6.3% YoY-2.6% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.3% in tier |
| CD Concentration |
33.5%
-6.8% YoY-2.4% QoQ
|
+9.1% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
30.0%
-18.3% YoY-5.1% QoQ
|
+16.2% | 13.8% | 10.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)