TRUITY
Charter #3130 | OK
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
4 1B-3B in OK
TRUITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.0% in tier
- + Relationship Depth Leader: Top 19.1% in tier
- + Emerging Performer: Top 25.5% in tier
- + Organic Growth Engine: Top 32.6% in tier
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.8% in tier
- - Liquidity Strain: Bottom 4.4% in tier
- - Growth-at-Risk: Bottom 8.5% in tier
- - Credit Quality Pressure: Bottom 16.2% in tier
- - Efficiency Drag: Bottom 28.3% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 6.52% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,424
+3.7% YoY+1.2% QoQ
|
-24.3K |
98,678
-1.9% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
32nd in tier |
| Assets |
$1.2B
+10.7% YoY+3.2% QoQ
|
$-493.2M |
$1.7B
+0.5% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 24.7% in tier |
| Loans |
$1.1B
+10.5% YoY+0.9% QoQ
|
$-179.9M |
$1.2B
+0.5% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
45th in tier |
| Deposits |
$1.0B
+8.5% YoY+2.4% QoQ
|
$-411.7M |
$1.5B
+1.3% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 23.0% in tier |
| ROA |
0.0%
-95.3% YoY-135.3% QoQ
|
-0.7% |
0.7%
+13.4% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.0% in tier |
| NIM |
3.9%
+8.9% YoY-0.8% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 15.1% in tier |
| Efficiency Ratio |
80.5%
+7.1% YoY-0.9% QoQ
|
+6.5% |
74.0%
-10.9% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 24.3% in tier |
| Delinquency Rate |
0.8%
+15.5% YoY+25.5% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
60th in tier |
| Loan To Share |
101.0%
+1.9% YoY-1.4% QoQ
|
+15.8% |
85.2%
-0.8% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 13.5% in tier |
| AMR |
$28,160
+5.6% YoY+0.4% QoQ
|
$-1K |
$29,172
+2.8% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
56th in tier |
| CD Concentration |
22.8%
-9.7% YoY-0.7% QoQ
|
-6.2% |
29.0%
+0.8% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
Bottom 22.4% in tier |
| Indirect Auto % |
51.4%
+0.5% YoY+1.4% QoQ
|
+32.6% |
18.8%
-2.8% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
Top 3.7% in tier |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growth
#102 of 264 • Top 14.0% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.64%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#139 of 264 • Top 19.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.64%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$2.6K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Emerging Performer
growth
#136 of 184 • Top 25.5% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.02%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
3.68%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#237 of 246 • Top 32.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.68%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
0.02%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
51.43%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank worsening
Concerns (5)
Indirect Auto Dependency
risk
#6 of 202 • Bottom 0.8% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
10.75%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
51.43%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
3.68%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank improving
Liquidity Strain
risk
#24 of 183 • Bottom 4.4% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
101.02%
(Tier:
86.35%, National:
67.96%)
Loan Growth (YoY):
10.55%
(Tier:
6.14%, National:
36.38%)
183 of 380 Mid-Market CUs have this signature
| 484 nationally
↑ Growing
+10 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#48 of 161 • Bottom 8.5% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
10.55%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.11% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#125 of 217 • Bottom 16.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.11% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
Efficiency Drag
risk
#94 of 96 • Bottom 28.3% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
80.49%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
-0.51% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
3.68%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
New qualifier
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)
Top Strengths (7 metrics)
33
Asset Growth Rate
growth
Value:
10.75%
Peer Avg: 4.83%
#33 of 304
Top 10.5% in 1B-3B tier
41
Loan-to-Share Ratio
balance_sheet
Value:
101.02%
Peer Avg: 85.19%
#41 of 304
Top 13.2% in 1B-3B tier
46
Net Interest Margin (NIM)
profitability
Value:
3.87%
Peer Avg: 3.26%
#46 of 304
Top 14.8% in 1B-3B tier
51
First Mortgage Concentration (%)
balance_sheet
Value:
19.71%
Peer Avg: 34.01%
#51 of 304
Top 16.4% in 1B-3B tier
54
Loan Growth Rate
growth
Value:
10.55%
Peer Avg: 5.27%
#54 of 304
Top 17.4% in 1B-3B tier
69
Deposit Growth Rate
growth
Value:
8.51%
Peer Avg: 5.58%
#69 of 304
Top 22.4% in 1B-3B tier
74
Share Certificate Concentration (%)
balance_sheet
Value:
22.78%
Peer Avg: 28.53%
#74 of 304
Top 24.0% in 1B-3B tier
Top Weaknesses (7 metrics)
295
Return on Assets (ROA)
profitability
Value:
0.02%
Peer Avg: 0.70%
#295 of 304
Bottom 3.3% in 1B-3B tier
293
Indirect Auto Concentration (%)
balance_sheet
Value:
51.43%
Peer Avg: 18.32%
#293 of 304
Bottom 3.9% in 1B-3B tier
256
Net Charge-Off Rate
risk
Value:
0.99%
Peer Avg: 0.60%
#256 of 304
Bottom 16.1% in 1B-3B tier
235
Net Worth Ratio
risk
Value:
9.60%
Peer Avg: 11.44%
#235 of 304
Bottom 23.0% in 1B-3B tier
234
Total Deposits
balance_sheet
Value:
$1.04B
Peer Avg: $1.45B
#234 of 304
Bottom 23.4% in 1B-3B tier
231
Efficiency Ratio
profitability
Value:
80.49%
Peer Avg: 73.97%
#231 of 304
Bottom 24.3% in 1B-3B tier
229
Total Assets
balance_sheet
Value:
$1.23B
Peer Avg: $1.72B
#229 of 304
Bottom 25.0% in 1B-3B tier