BlastPoint's Credit Union Scorecard

TRUITY

Charter #3130 · OK

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

TRUITY has 1 strength 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 0.45% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.9% in tier
- Efficiency Drag: Bottom 15.9% in tier
- Credit Quality Pressure: Bottom 22.1% in tier
- Liquidity Strain: Bottom 23.0% in tier
- Credit Risk Growth: Bottom 48.7% in tier
- ROA 0.98% below tier average
- Efficiency ratio 8.38% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	75,525 +3.9% YoY+0.5% QoQ	-20.5K	96,048 -2.7% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	38%
Assets	$1.3B +11.2% YoY+5.0% QoQ	$-418.3M	$1.7B +0.4% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	30%
Loans	$1.1B +6.1% YoY+0.6% QoQ	$-141.3M	$1.2B +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	47%
Deposits	$1.1B +9.8% YoY+8.9% QoQ	$-333.6M	$1.5B +0.5% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% -260.2% YoY	-1.0%	0.7% +27.6% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 1.3% in tier
NIM	3.8% -2.4% YoY-1.3% QoQ	+0.4%	3.4% +6.2% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	83.0% +5.0% YoY+3.2% QoQ	+8.4%	74.6% -3.0% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.7% +31.3% YoY-17.3% QoQ	-0.1	0.8% +6.9% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	54%
Loan To Share	94.7% -3.4% YoY-7.6% QoQ	+11.6%	83.2% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	80%
AMR	$29,188 +3.9% YoY+4.1% QoQ	$-464	$29,652 +2.3% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	56%
CD Concentration	21.4% -1.5% YoY-5.5% QoQ	-7.4%	28.8%	22.8%	19.8%	19%
Indirect Auto %	48.6% -3.3% YoY-5.0% QoQ	+30.5%	18.1%	14.5%	7.7%	Bottom 4.4% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#8 of 198 • Bottom 12.9% in tier

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

Why This Signature

Asset Growth (YoY): 11.21%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 48.57%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.95%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#84 of 225 • Bottom 22.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#82 of 183 • Bottom 48.7% in tier

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

Why This Signature

Loan Growth (YoY): 6.08%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#88 of 148 • Bottom 23.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.74%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.08%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Efficiency Drag

risk

#84 of 100 • Bottom 15.9% in tier

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

Why This Signature

Efficiency Ratio: 83.01%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.42% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.95%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (6 metrics)

Asset Growth Rate

growth

Value: 11.21%

Peer Median: 4.82%

#37 of 306 Top 11.8% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.80%

Peer Median: 4.44%

#47 of 306 Top 15.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.95%

Peer Median: 33.05%

#52 of 306 Top 16.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.74%

Peer Median: 85.31%

#62 of 306 Top 19.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.80%

Peer Median: 3.37%

#63 of 306 Top 20.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.44%

Peer Median: 27.93%

#63 of 306 Top 20.3% in 1B-3B tier

Top Weaknesses (5 metrics)

302

Return on Assets (ROA)

profitability

Value: -0.26%

Peer Median: 0.66%

#302 of 306 Bottom 1.6% in 1B-3B tier

293

Indirect Auto Concentration (%)

balance_sheet

Value: 48.57%

Peer Median: 13.86%

#293 of 306 Bottom 4.6% in 1B-3B tier

290

Net Charge-Off Rate

risk

Value: 1.32%

Peer Median: 0.51%

#290 of 306 Bottom 5.6% in 1B-3B tier

278

Net Worth Ratio

risk

Value: 8.84%

Peer Median: 10.85%

#278 of 306 Bottom 9.5% in 1B-3B tier

253

Efficiency Ratio

profitability

Value: 83.01%

Peer Median: 75.16%

#253 of 306 Bottom 17.6% in 1B-3B tier