BlastPoint's Credit Union Scorecard

TRUITY

Charter #3130 · OK

Mid-Market 1B-3B

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

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TRUITY has 3 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

+ Organic Growth Engine: Top 32.6% in tier
+ Wallet Share Momentum: Top 87.8% 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
- Credit Risk Growth: 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	32%
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	25%
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	45%
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	23%

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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	0.0% -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	85%
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	76%
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	60%
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	56%
CD Concentration	22.8% -9.7% YoY-0.7% QoQ	-6.2%	29.0% +0.7% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	23%
Indirect Auto %	51.4% +0.5% YoY+1.4% QoQ	+32.7%	18.8% -3.0% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	Top 3.7% in tier

Signature Analysis

Strengths (2)

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%)

better than tier avg

Return on Assets: 0.02%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 51.43%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#102 of 116 • Top 87.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.64%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

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%)

but better than tier avg

Indirect Auto %: 51.43%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.68%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

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: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.55%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank improving

Credit Risk Growth

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%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

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)

worse than tier avg

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: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.51% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 3.68%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 10.75%

Peer Avg: -

#33 of 304 Top 10.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 101.02%

Peer Avg: -

#41 of 304 Top 13.2% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.87%

Peer Avg: -

#46 of 304 Top 14.8% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.71%

Peer Avg: -

#51 of 304 Top 16.4% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.55%

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.51%

Peer Avg: -

#69 of 304 Top 22.4% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.78%

Peer Avg: -

#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: -

#295 of 304 Bottom 3.3% in 1B-3B tier

293

Indirect Auto Concentration (%)

balance_sheet

Value: 51.43%

Peer Avg: -

#293 of 304 Bottom 3.9% in 1B-3B tier

256

Net Charge-Off Rate

risk

Value: 0.99%

Peer Avg: -

#256 of 304 Bottom 16.1% in 1B-3B tier

235

Net Worth Ratio

risk

Value: 9.60%

Peer Avg: -

#235 of 304 Bottom 23.0% in 1B-3B tier

234

Total Deposits

balance_sheet

Value: $1.04B

Peer Avg: -

#234 of 304 Bottom 23.4% in 1B-3B tier

231

Efficiency Ratio

profitability

Value: 80.49%

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier

229

Total Assets

balance_sheet

Value: $1.23B

Peer Avg: -

#229 of 304 Bottom 25.0% in 1B-3B tier