BlastPoint's Credit Union Scorecard

PRIMETRUST FINANCIAL

Charter #489 · IN

100M-500M

1070 CUs in 100M-500M nationally 21 in IN

PRIMETRUST FINANCIAL has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.26% above tier average
+ Net Interest Margin 0.69% above tier average
+ AMR Growth Rate: Top 4.5% in tier
+ Fee Income Per Member: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 2.80% above tier (higher cost structure)
- Member decline: -4.7% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	18,575 -4.7% YoY-0.1% QoQ	+3.4K	15,145 -2.5% YoY	22,524 +2.8% YoY	33,913 +5.7% YoY	72%
Assets	$265.2M +8.1% YoY+3.1% QoQ	+$33.5M	$231.7M +0.8% YoY	$399.0M +8.5% YoY	$578.3M +9.0% YoY	67%
Loans	$192.8M +9.2% YoY-1.6% QoQ	+$48.7M	$144.1M +0.2% YoY	$281.9M +8.4% YoY	$402.4M +8.7% YoY	74%
Deposits	$237.1M +7.4% YoY+3.1% QoQ	+$36.0M	$201.1M +0.4% YoY	$336.4M +8.1% YoY	$494.3M +9.1% YoY	68%

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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	1.0% +74.3% YoY-1.5% QoQ	+0.3%	0.7% +5.1% YoY	0.6% -3.4% YoY	0.4% -39.2% YoY	70%
NIM	4.3% -3.5% YoY-1.4% QoQ	+0.7%	3.6% +4.6% YoY	3.7% -1.2% YoY	3.8% +4.1% YoY	Top 13.9% in tier
Efficiency Ratio	80.8% -1.9% YoY+7.0% QoQ	+2.8%	78.0% -1.7% YoY	86.7% +4.4% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.4% -17.2% YoY+1.7% QoQ	-0.4	0.8% +7.1% YoY	1.1% +11.5% YoY	1.2% +3.4% YoY	27%
Loan To Share	81.3% +1.7% YoY-4.6% QoQ	+10.9%	70.4% -0.4% YoY	67.3% +1.1% YoY	65.6% -1.4% YoY	71%
AMR	$23,147 +13.6% YoY+1.1% QoQ	$-2K	$24,918 +2.7% YoY	$18,911 +5.2% YoY	$19,920 +1.6% YoY	51%
CD Concentration	21.0% +10.7% YoY-5.1% QoQ	-3.3%	24.3%	18.9%	19.8%	50%
Indirect Auto %	36.5% +31.7% YoY+2.1% QoQ	+22.7%	13.8%	10.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#62 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 13.56%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#10 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 8.14%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 36.53%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#143 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#400 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.24%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.36%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#577 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 80.83%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.42% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -4.70%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 13.56%

Peer Median: 3.46%

#49 of 1070 Top 4.5% in 100M-500M tier

107

Fee Income Per Member

profitability

Value: $254.26

Peer Median: $154.95

#107 of 1070 Top 9.9% in 100M-500M tier

149

Net Interest Margin (NIM)

profitability

Value: 4.32%

Peer Median: 3.62%

#149 of 1070 Top 13.8% in 100M-500M tier

170

First Mortgage Concentration (%)

balance_sheet

Value: 12.53%

Peer Median: 29.47%

#170 of 1070 Top 15.8% in 100M-500M tier

181

Asset Growth Rate

growth

Value: 8.14%

Peer Median: 3.91%

#181 of 1070 Top 16.8% in 100M-500M tier

211

Deposit Growth Rate

growth

Value: 7.40%

Peer Median: 3.30%

#211 of 1070 Top 19.6% in 100M-500M tier

212

Loan Growth Rate

growth

Value: 9.24%

Peer Median: 2.93%

#212 of 1070 Top 19.7% in 100M-500M tier

Top Weaknesses (3 metrics)

962

Indirect Auto Concentration (%)

balance_sheet

Value: 36.53%

Peer Median: 6.61%

#962 of 1070 Bottom 10.2% in 100M-500M tier

949

Member Growth Rate

growth

Value: -4.70%

Peer Median: -0.06%

#949 of 1070 Bottom 11.4% in 100M-500M tier

901

Members Per Employee (MPE)

engagement

Value: 241.234

Peer Median: 309.176

#901 of 1070 Bottom 15.9% in 100M-500M tier