BlastPoint's Credit Union Scorecard
TRUENERGY
Charter #3323 · VA
TRUENERGY has 1 strength but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 33.1% in tier
- - Membership Headwinds: Bottom 49.2% in tier
- - Efficiency Drag: Bottom 83.6% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 7.54% above tier (higher cost structure)
- - Delinquency rate 1.11% above tier average
- - Member decline: -2.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.4% in tier
- - Deposit Growth Rate: Bottom 8.7% in tier
- - Asset Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,879
-2.8% YoY-0.5% QoQ
|
-7.6K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$124.7M
-1.4% YoY+0.5% QoQ
|
$-107.1M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$92.5M
+1.2% YoY+0.2% QoQ
|
$-54.8M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$108.7M
-2.0% YoY+0.6% QoQ
|
$-92.1M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
17% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
-108.1% YoY-51.4% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.7% in tier |
| NIM |
3.8%
+7.5% YoY+1.0% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
84.6%
-11.3% YoY+2.1% QoQ
|
+7.5% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
2.0%
-7.5% YoY+41.2% QoQ
|
+1.1 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 7.4% in tier |
| Loan To Share |
85.1%
+3.3% YoY-0.4% QoQ
|
+12.9% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$25,536
+2.3% YoY+0.9% QoQ
|
+$860 |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
31.6%
+3.6% YoY+1.1% QoQ
|
+7.2% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
0.3%
-58.6% YoY-9.2% QoQ
|
-13.5% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)