BlastPoint's Credit Union Scorecard
TRUENERGY
Charter #3323 · VA
TRUENERGY has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 11.1% in tier
- - Stagnation Risk: Bottom 19.9% in tier
- - Credit Quality Pressure: Bottom 22.7% in tier
- - Efficiency Drag: Bottom 28.2% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 5.52% above tier (higher cost structure)
- - Delinquency rate 0.56% above tier average
- - Member decline: -3.7% YoY
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,915
-3.7% YoY-0.9% QoQ
|
-7.7K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$124.1M
-1.5% YoY-1.6% QoQ
|
$-107.2M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$92.3M
-0.0% YoY+3.6% QoQ
|
$-55.4M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$108.0M
-2.0% YoY-2.0% QoQ
|
$-92.2M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.2%
-114.9% YoY+805.7% QoQ
|
-0.6% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.0% in tier |
| NIM |
3.8%
+7.5% YoY+2.7% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
82.8%
-10.4% YoY-3.5% QoQ
|
+5.5% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.4%
+4.5% YoY+30.7% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
85.5%
+2.0% YoY+5.8% QoQ
|
+12.8% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$25,318
+2.8% YoY+1.4% QoQ
|
+$955 |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
31.3%
+1.7% YoY+4.6% QoQ
|
+6.9% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.3%
-59.5% YoY-32.1% QoQ
|
-13.7% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)