BlastPoint's Credit Union Scorecard
TRUITY
Charter #3130 · OK
TRUITY has 2 strengths but faces 8 concerns
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How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Loan-to-Share Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.8% in tier
- - Liquidity Strain: Bottom 12.1% in tier
- - Credit Risk Growth: Bottom 44.8% in tier
- - Credit Quality Pressure: Bottom 65.7% in tier
- - Efficiency Drag: Bottom 97.8% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 6.36% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,118
+4.2% YoY+0.9% QoQ
|
-22.3K |
97,431
-2.4% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$1.2B
+8.2% YoY+1.1% QoQ
|
$-483.9M |
$1.7B
+0.9% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$1.1B
+9.4% YoY+1.3% QoQ
|
$-168.0M |
$1.2B
+0.5% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
45% |
| Deposits |
$1.0B
+4.0% YoY-0.3% QoQ
|
$-419.5M |
$1.5B
+0.9% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
-0.0%
-113.2% YoY-209.1% QoQ
|
-0.7% |
0.7%
+20.9% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.6% in tier |
| NIM |
3.9%
+7.0% YoY-0.4% QoQ
|
+0.6% |
3.3%
+9.2% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
80.4%
+3.5% YoY-0.1% QoQ
|
+6.4% |
74.1%
-9.5% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.8%
+11.4% YoY+3.7% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
102.6%
+5.1% YoY+1.5% QoQ
|
+17.8% |
84.8%
-0.8% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
Top 8.9% in tier |
| AMR |
$28,039
+2.3% YoY-0.4% QoQ
|
$-1K |
$29,428
+2.4% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
22.7%
-1.3% YoY-0.4% QoQ
|
-6.4% | 29.0% | 23.0% | 19.8% | 23% |
| Indirect Auto % |
51.1%
+1.2% YoY-0.6% QoQ
|
+32.8% | 18.3% | 14.8% | 7.8% | Top 2.9% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)