BlastPoint's Credit Union Scorecard

TRAX

Charter #24703 · FL

100M-500M

1024 CUs in 100M-500M nationally 35 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 0.8% in tier
+ Total Assets: Top 1.1% in tier
+ Total Deposits: Top 2.1% in tier
+ Members Per Employee (MPE): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.59% below tier average
- Efficiency ratio 0.40% above tier (higher cost structure)
- Delinquency rate 0.92% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
Shares and deposits -4.3% year over year ($416M in shares and deposits).
Membership: 45,220 members, +0.5% vs a year ago.
Delinquency rate 1.80%.
Return on assets 0.28%.
Efficiency ratio 77.13% vs a 76.73% peer average.
Loan-to-share ratio 51.91% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	45,220 +0.5% YoY+0.2% QoQ	+30.1K	15,168 -2.6% YoY	74,629 +8.2% YoY	34,678 +6.6% YoY	Top 0.9% in tier
Assets	$485.1M -3.2% YoY-1.0% QoQ	+$253.1M	$232.0M +0.7% YoY	$1.2B +11.8% YoY	$593.1M +10.2% YoY	Top 1.2% in tier
Loans	$216.1M +7.6% YoY+3.8% QoQ	+$69.9M	$146.3M +0.2% YoY	$865.0M +13.2% YoY	$418.6M +10.1% YoY	80%
Deposits	$416.4M -4.3% YoY-1.1% QoQ	+$215.7M	$200.7M +0.2% YoY	$1.0B +12.3% YoY	$504.8M +10.3% YoY	Top 2.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +77.8% YoY-11.8% QoQ	-0.6%	0.9% +12.5% YoY	0.7% +7.2% YoY	1.2% +121.4% YoY	Bottom 12.6% in tier
NIM	2.9% +14.9% YoY+7.2% QoQ	-0.7%	3.7% +4.5% YoY	3.6% +3.4% YoY	3.8% +2.3% YoY	Bottom 12.1% in tier
Efficiency Ratio	77.1% -2.1% YoY-5.0% QoQ	+0.4%	76.7% -0.8% YoY	79.7% +3.1% YoY	83.0% -5.3% YoY	49%
Delinquency Rate	1.8% +23.9% YoY+27.2% QoQ	+0.9	0.9% +6.6% YoY	0.7% +5.6% YoY	1.3% +2.6% YoY	Bottom 9.4% in tier
Loan To Share	51.9% +12.4% YoY+4.9% QoQ	-19.6%	71.5% -0.3% YoY	70.8% +0.7% YoY	66.4% -1.4% YoY	Bottom 13.8% in tier
AMR	$13,988 -1.0% YoY+0.3% QoQ	$-11K	$25,107 +3.2% YoY	$23,115 +4.1% YoY	$20,028 -0.9% YoY	Bottom 5.5% in tier
CD Concentration	30.8% -11.0% YoY-1.2% QoQ	+6.2%	24.6%	24.7%	20.0%	50%
Indirect Auto %	30.6% -11.0% YoY+9.2% QoQ	+16.9%	13.6%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Deposit Outflow

decline

#9 of 84 • 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): -4.28%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.52%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Credit Risk Growth

risk

#99 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.60%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.35% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#214 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.35% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#398 of 476 • 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): -3.19%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 30.55%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.52%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#187 of 223 • 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): -1.04%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 45,220

Peer Median: 13,128

#9 of 1024 Top 0.8% in 100M-500M tier

Total Assets

balance_sheet

Value: $485.06M

Peer Median: $196.38M

#12 of 1024 Top 1.1% in 100M-500M tier

Total Deposits

balance_sheet

Value: $416.41M

Peer Median: $170.77M

#22 of 1024 Top 2.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 496.923

Peer Median: 310.924

#62 of 1024 Top 6.0% in 100M-500M tier

206

Total Loans

balance_sheet

Value: $216.14M

Peer Median: $124.04M

#206 of 1024 Top 20.0% in 100M-500M tier

234

First Mortgage Concentration (%)

balance_sheet

Value: 16.51%

Peer Median: 29.92%

#234 of 1024 Top 22.8% in 100M-500M tier

Top Weaknesses (11 metrics)

1004

Net Charge-Off Rate

risk

Value: 1.82%

Peer Median: 0.34%

#1004 of 1024 Bottom 2.1% in 100M-500M tier

980

Deposit Growth Rate

growth

Value: -4.28%

Peer Median: 3.58%

#980 of 1024 Bottom 4.4% in 100M-500M tier

976

Loan-to-Member Ratio (LMR)

engagement

Value: $4,780

Peer Median: $9,434

#976 of 1024 Bottom 4.8% in 100M-500M tier

973

Asset Growth Rate

growth

Value: -3.19%

Peer Median: 4.12%

#973 of 1024 Bottom 5.1% in 100M-500M tier

968

Average Member Relationship (AMR)

engagement

Value: $13,988

Peer Median: $23,006

#968 of 1024 Bottom 5.6% in 100M-500M tier

929

Total Delinquency Rate (60+ days)

risk

Value: 1.80%

Peer Median: 0.71%

#929 of 1024 Bottom 9.4% in 100M-500M tier

900

Net Interest Margin (NIM)

profitability

Value: 2.95%

Peer Median: 3.67%

#900 of 1024 Bottom 12.2% in 100M-500M tier

895

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.75%

#895 of 1024 Bottom 12.7% in 100M-500M tier

883

Loan-to-Share Ratio

balance_sheet

Value: 51.91%

Peer Median: 73.07%

#883 of 1024 Bottom 13.9% in 100M-500M tier

872

AMR Growth Rate

growth

Value: -1.04%

Peer Median: 3.53%

#872 of 1024 Bottom 14.9% in 100M-500M tier