BlastPoint's Credit Union Scorecard
TRUMBULL
Charter #61838 · CT
TRUMBULL has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% 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 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.7% YoY
- - AMR Growth Rate: Bottom 6.9% in tier
- - Deposit Growth Rate: Bottom 7.4% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
433
-2.7% YoY-0.9% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.9% in tier |
| Assets |
$3.0M
-7.5% YoY-4.1% QoQ
|
$-27.2M |
$30.1M
+2.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.8% in tier |
| Loans |
$1.2M
-16.4% YoY-9.1% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.6% in tier |
| Deposits |
$2.6M
-9.7% YoY-5.1% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.8% in tier |
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| ROA |
1.1%
-1.7% YoY-16.5% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.6%
+2.4% YoY-2.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
70.8%
+2.4% YoY+8.5% QoQ
|
-11.8% |
82.6%
-2.3% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
46.8%
-7.4% YoY-4.3% QoQ
|
-13.8% |
60.6%
-3.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$8,674
-9.5% YoY-5.5% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)