BlastPoint's Credit Union Scorecard
PRIMETRUST FINANCIAL
Charter #489 · IN
PRIMETRUST FINANCIAL has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.8% in tier
- + Emerging Performer: Top 28.4% in tier
- + Profitability Leader: Top 86.7% in tier
- + ROA 0.38% above tier average
- + Net Interest Margin 0.87% above tier average
- + Loan Growth Rate: Top 5.1% in tier
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,652
+3.8% YoY+0.5% QoQ
|
+3.0K |
15,628
-3.4% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$244.0M
+1.5% YoY-0.1% QoQ
|
+$12.7M |
$231.3M
-0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$194.0M
+17.5% YoY+3.4% QoQ
|
+$46.2M |
$147.8M
-1.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$217.2M
+0.3% YoY-0.4% QoQ
|
+$16.9M |
$200.3M
-0.0% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
1.2%
+125.2% YoY-12.4% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
4.5%
+14.2% YoY+2.0% QoQ
|
+0.9% |
3.6%
+6.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
74.0%
-9.9% YoY-1.4% QoQ
|
-3.3% |
77.3%
-3.0% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.4%
-34.2% YoY+54.1% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
89.3%
+17.1% YoY+3.7% QoQ
|
+16.6% |
72.7%
-1.5% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$22,045
+3.8% YoY+0.8% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
19.7%
-4.7% YoY+12.8% QoQ
|
-4.7% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
35.2%
+62.0% YoY+2.9% QoQ
|
+21.2% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)