BlastPoint's Credit Union Scorecard

TELCO TRIAD COMMUNITY

Charter #63218 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

TELCO TRIAD COMMUNITY has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 10.54% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	16,018 +1.8% YoY+0.0% QoQ	+872	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	63%
Assets	$163.2M +5.1% YoY+3.0% QoQ	$-68.5M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	36%
Loans	$119.6M +4.3% YoY-0.4% QoQ	$-24.5M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	49%
Deposits	$143.4M +4.0% YoY+3.4% QoQ	$-57.7M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	37%

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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	0.3% -54.9% YoY-72.7% QoQ	-0.4%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	25%
NIM	4.0% -1.4% YoY-4.7% QoQ	+0.4%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	88.6% +10.2% YoY+22.6% QoQ	+10.5%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.3% +4.1% YoY+59.6% QoQ	-0.4	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	24%
Loan To Share	83.4% +0.3% YoY-3.7% QoQ	+13.0%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	76%
AMR	$16,423 +2.3% YoY+1.6% QoQ	$-8K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	Bottom 14.4% in tier
CD Concentration	18.7% +5.3% YoY-4.6% QoQ	-5.6%	24.3%	21.8%	19.8%	50%
Indirect Auto %	43.2% -4.6% YoY-1.2% QoQ	+29.4%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#98 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): 5.09%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 43.16%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.77%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#278 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: 88.56%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.41% points

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

worse than tier avg

Member Growth (YoY): 1.77%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#440 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.34%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#686 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 (4 metrics)

164

First Mortgage Concentration (%)

balance_sheet

Value: 12.02%

Peer Median: 29.47%

#164 of 1070 Top 15.2% in 100M-500M tier

253

Loan-to-Share Ratio

balance_sheet

Value: 83.43%

Peer Median: 71.88%

#253 of 1070 Top 23.6% in 100M-500M tier

261

Total Delinquency Rate (60+ days)

risk

Value: 0.32%

Peer Median: 0.61%

#261 of 1070 Top 24.3% in 100M-500M tier

266

Net Charge-Off Rate

risk

Value: 0.16%

Peer Median: 0.35%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1003

Indirect Auto Concentration (%)

balance_sheet

Value: 43.16%

Peer Median: 6.61%

#1003 of 1070 Bottom 6.4% in 100M-500M tier

916

Average Member Relationship (AMR)

engagement

Value: $16,423

Peer Median: $22,931

#916 of 1070 Bottom 14.5% in 100M-500M tier

868

Fee Income Per Member

profitability

Value: $100.31

Peer Median: $154.95

#868 of 1070 Bottom 19.0% in 100M-500M tier

867

Efficiency Ratio

profitability

Value: 88.56%

Peer Median: 78.68%

#867 of 1070 Bottom 19.1% in 100M-500M tier