BlastPoint's Credit Union Scorecard

PRIMETRUST FINANCIAL

Charter #489 · IN

1069 CUs in 100M-500M nationally 19 in IN

PRIMETRUST FINANCIAL has 5 strengths but faces 1 concern

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 43.9% in tier
+ Wallet Share Momentum: Top 48.0% in tier
+ ROA 0.24% above tier average
+ Net Interest Margin 0.78% above tier average
+ Loan Growth Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 23.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	18,597 +3.5% YoY-0.3% QoQ	+3.2K	15,437 -2.9% YoY	22,624 +3.2% YoY	33,374 +5.7% YoY	71%
Assets	$257.2M +7.8% YoY+5.4% QoQ	+$25.4M	$231.9M +1.3% YoY	$390.3M +10.1% YoY	$561.6M +9.7% YoY	65%
Loans	$196.1M +17.3% YoY+1.1% QoQ	+$48.7M	$147.3M -0.1% YoY	$281.2M +8.6% YoY	$397.0M +8.8% YoY	74%
Deposits	$229.9M +7.2% YoY+5.9% QoQ	+$29.1M	$200.8M +0.8% YoY	$327.7M +9.9% YoY	$477.3M +9.7% YoY	66%

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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% +80.2% YoY-13.9% QoQ	+0.2%	0.8% +18.2% YoY	0.9% +52.7% YoY	0.7% +15.9% YoY	69%
NIM	4.4% +12.7% YoY-1.7% QoQ	+0.8%	3.6% +6.7% YoY	3.9% +8.6% YoY	3.8% +5.1% YoY	Top 12.5% in tier
Efficiency Ratio	75.5% -12.2% YoY+2.1% QoQ	-1.5%	77.0% -3.1% YoY	78.1% -3.9% YoY	79.7% -3.3% YoY	43%
Delinquency Rate	0.4% -78.1% YoY-10.7% QoQ	-0.5	0.9% +4.2% YoY	1.3% +9.0% YoY	1.3% -2.1% YoY	20%
Loan To Share	85.3% +9.5% YoY-4.5% QoQ	+13.0%	72.2% -1.1% YoY	69.9% +0.6% YoY	67.4% -1.7% YoY	75%
AMR	$22,905 +7.9% YoY+3.9% QoQ	$-2K	$24,676 +3.4% YoY	$18,520 +5.2% YoY	$19,687 +2.0% YoY	51%
CD Concentration	22.1% +4.6% YoY+12.6% QoQ	-2.3%	24.4%	19.3%	19.8%	50%
Indirect Auto %	35.8% +49.1% YoY+1.8% QoQ	+22.0%	13.8%	10.7%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#262 of 595 • Top 43.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.47%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 35.79%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#247 of 513 • Top 48.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.87%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#121 of 506 • Bottom 23.8% in tier

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

Why This Signature

Asset Growth (YoY): 7.80%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 35.79%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.47%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (10 metrics)

Loan Growth Rate

growth

Value: 17.32%

Peer Median: -

#54 of 1069 Top 5.0% in 100M-500M tier

115

Fee Income Per Member

profitability

Value: $264.01

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

134

Net Interest Margin (NIM)

profitability

Value: 4.38%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

166

First Mortgage Concentration (%)

balance_sheet

Value: 12.40%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

179

Member Growth Rate

growth

Value: 3.47%

Peer Median: -

#179 of 1069 Top 16.7% in 100M-500M tier

194

AMR Growth Rate

growth

Value: 7.87%

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

216

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

263

Loan-to-Share Ratio

balance_sheet

Value: 85.27%

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

264

Asset Growth Rate

growth

Value: 7.80%

Peer Median: -

#264 of 1069 Top 24.6% in 100M-500M tier

268

Deposit Growth Rate

growth

Value: 7.17%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (2 metrics)

957

Indirect Auto Concentration (%)

balance_sheet

Value: 35.79%

Peer Median: -

#957 of 1069 Bottom 10.6% in 100M-500M tier

929

Members Per Employee (MPE)

engagement

Value: 235.405

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier