BlastPoint's Credit Union Scorecard

TRUITY

Charter #3130 · OK

Mid-Market 1B-3B

Truity at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Truity is one of 101 credit unions in the 2026 VentureTech card set. We also found Truity's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Truity

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TRUITY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
TRUITY'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 4 in OK

View Mid-Market leaderboard →

TRUITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.36% above tier average
+ Deposit Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 14.2% in tier
- Efficiency Drag: Bottom 16.5% in tier
- Liquidity Strain: Bottom 29.3% in tier
- Credit Quality Pressure: Bottom 31.7% in tier
- Credit Risk Growth: Bottom 65.3% in tier
- ROA 0.75% below tier average
- Efficiency ratio 8.29% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 5.7% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	76,124 +3.6% YoY+0.8% QoQ	-20.7K	96,861 -1.9% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	36%
Assets	$1.3B +10.9% YoY+1.2% QoQ	$-406.5M	$1.7B +0.4% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	32%
Loans	$1.1B +3.6% YoY+0.8% QoQ	$-153.5M	$1.2B +0.7% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	46%
Deposits	$1.1B +12.9% YoY+1.5% QoQ	$-313.9M	$1.5B +0.5% YoY	$356.1M +5.9% YoY	$504.8M +10.3% YoY	37%

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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	0.1% -201.6% YoY-127.5% QoQ	-0.7%	0.8% +27.6% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Bottom 1.7% in tier
NIM	3.8% -2.8% YoY-0.4% QoQ	+0.4%	3.4% +6.6% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	74%
Efficiency Ratio	81.3% +0.1% YoY-2.1% QoQ	+8.3%	73.0% -2.7% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	82%
Delinquency Rate	0.7% +19.5% YoY+11.0% QoQ	-0.1	0.9% +7.3% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	54%
Loan To Share	94.0% -8.3% YoY-0.8% QoQ	+9.3%	84.7% +0.1% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	75%
AMR	$29,296 +4.5% YoY+0.4% QoQ	$-279	$29,575 +1.5% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	56%
CD Concentration	21.7% -5.2% YoY+1.4% QoQ	-7.3%	29.1%	22.8%	20.0%	20%
Indirect Auto %	47.0% -7.4% YoY-3.3% QoQ	+28.9%	18.1%	14.2%	7.7%	Bottom 5.9% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#11 of 193 • Bottom 14.2% in tier

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

Why This Signature

Asset Growth (YoY): 10.91%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 46.97%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 3.56%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#118 of 215 • Bottom 31.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#125 of 170 • Bottom 65.3% in tier

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

Why This Signature

Loan Growth (YoY): 3.57%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Liquidity Strain

risk

#127 of 168 • Bottom 29.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.02%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 3.57%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Efficiency Drag

risk

#64 of 71 • Bottom 16.5% in tier

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

Why This Signature

Efficiency Ratio: 81.31%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.14% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 3.56%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (5 metrics)

Deposit Growth Rate

growth

Value: 12.90%

Peer Median: 4.79%

#25 of 300 Top 8.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 10.91%

Peer Median: 5.21%

#39 of 300 Top 12.7% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.56%

Peer Median: 33.59%

#58 of 300 Top 19.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.74%

Peer Median: 28.24%

#64 of 300 Top 21.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.02%

Peer Median: 87.07%

#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (5 metrics)

295

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: 0.77%

#295 of 300 Bottom 2.0% in 1B-3B tier

284

Indirect Auto Concentration (%)

balance_sheet

Value: 46.97%

Peer Median: 14.26%

#284 of 300 Bottom 5.7% in 1B-3B tier

281

Net Charge-Off Rate

risk

Value: 1.20%

Peer Median: 0.52%

#281 of 300 Bottom 6.7% in 1B-3B tier

277

Net Worth Ratio

risk

Value: 8.76%

Peer Median: 10.91%

#277 of 300 Bottom 8.0% in 1B-3B tier

247

Efficiency Ratio

profitability

Value: 81.31%

Peer Median: 73.62%

#247 of 300 Bottom 18.0% in 1B-3B tier