TRUMBULL
Charter #61838 | CT
<100M
(2596 CUs)
Micro
($0-$500M)
45 <100M in CT
TRUMBULL has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
437
-2.2% YoY-1.6% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Bottom 12.1% in tier |
| Assets |
$3.1M
-5.9% YoY-5.3% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.4% in tier |
| Loans |
$1.3M
-13.1% YoY-0.2% QoQ
|
$-14.5M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.4% in tier |
| Deposits |
$2.7M
-7.8% YoY-6.4% QoQ
|
$-22.8M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.4% in tier |
| ROA |
1.3%
-0.4% YoY-60.3% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
73rd in tier |
| NIM |
3.6%
+0.7% YoY-64.6% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
39th in tier |
| Efficiency Ratio |
65.2%
+0.5% YoY-5.5% QoQ
|
-16.2% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 22.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
48.9%
-5.7% YoY+6.6% QoQ
|
-12.3% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
31st in tier |
| AMR |
$9,182
-7.5% YoY-2.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
573
Efficiency Ratio
profitability
Value:
65.21%
Peer Avg: 81.39%
#573 of 2596
Top 22.0% in <100M tier
Top Weaknesses (12 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2328
Deposit Growth Rate
growth
Value:
-7.80%
Peer Avg: 16.80%
#2328 of 2596
Bottom 10.4% in <100M tier
2297
AMR Growth Rate
growth
Value:
-7.53%
Peer Avg: 4.67%
#2297 of 2596
Bottom 11.6% in <100M tier
2291
Asset Growth Rate
growth
Value:
-5.94%
Peer Avg: 1.82%
#2291 of 2596
Bottom 11.8% in <100M tier
2281
Total Members
engagement
Value:
437
Peer Avg: 2,626
#2281 of 2596
Bottom 12.2% in <100M tier
2248
Total Assets
balance_sheet
Value:
$3.12M
Peer Avg: $29.86M
#2248 of 2596
Bottom 13.4% in <100M tier
2247
Total Loans
balance_sheet
Value:
$1.32M
Peer Avg: $15.77M
#2247 of 2596
Bottom 13.5% in <100M tier
2226
Loan Growth Rate
growth
Value:
-13.08%
Peer Avg: 59.01%
#2226 of 2596
Bottom 14.3% in <100M tier
2222
Total Deposits
balance_sheet
Value:
$2.70M
Peer Avg: $25.45M
#2222 of 2596
Bottom 14.4% in <100M tier
2105
Members Per Employee (MPE)
engagement
Value:
218.500
Peer Avg: 365.701
#2105 of 2596
Bottom 19.0% in <100M tier