BlastPoint's Credit Union Scorecard

TELCO TRIAD COMMUNITY

Charter #63218 · IA

100M-500M

1024 CUs in 100M-500M nationally 19 in IA

TELCO TRIAD COMMUNITY has 2 strengths but faces 8 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

+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Efficiency ratio 3.91% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 19 that size in Iowa.
Shares and deposits +1.0% year over year ($140M in shares and deposits).
Membership: 16,283 members, +2.7% vs a year ago.
Delinquency rate 0.45%.
Return on assets 0.76%.
Efficiency ratio 80.64% vs a 76.73% peer average.
Loan-to-share ratio 85.55% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	16,283 +2.7% YoY+1.7% QoQ	+1.1K	15,168 -2.6% YoY	24,364 -0.3% YoY	34,678 +6.6% YoY	64%
Assets	$160.5M +1.8% YoY-1.7% QoQ	$-71.5M	$232.0M +0.7% YoY	$535.9M +4.3% YoY	$593.1M +10.2% YoY	34%
Loans	$120.2M +1.7% YoY+0.4% QoQ	$-26.1M	$146.3M +0.2% YoY	$432.7M +4.7% YoY	$418.6M +10.1% YoY	48%
Deposits	$140.5M +1.0% YoY-2.1% QoQ	$-60.2M	$200.7M +0.2% YoY	$446.2M +5.6% YoY	$504.8M +10.3% YoY	36%

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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	0.8% -12.2% YoY+127.9% QoQ	-0.1%	0.9% +12.5% YoY	1.0% +7.5% YoY	1.2% +121.4% YoY	51%
NIM	4.1% -0.3% YoY+2.7% QoQ	+0.4%	3.7% +4.5% YoY	3.9% +1.8% YoY	3.8% +2.3% YoY	76%
Efficiency Ratio	80.6% +3.9% YoY-8.9% QoQ	+3.9%	76.7% -0.8% YoY	73.5% +1.3% YoY	83.0% -5.3% YoY	60%
Delinquency Rate	0.5% +112.7% YoY+40.0% QoQ	-0.4	0.9% +6.6% YoY	1.1% -7.5% YoY	1.3% +2.6% YoY	32%
Loan To Share	85.5% +0.7% YoY+2.5% QoQ	+14.0%	71.5% -0.3% YoY	75.0% -0.8% YoY	66.4% -1.4% YoY	77%
AMR	$16,007 -1.4% YoY-2.5% QoQ	$-9K	$25,107 +3.2% YoY	$21,508 -71.8% YoY	$20,028 -0.9% YoY	Bottom 13.2% in tier
CD Concentration	18.8% +2.5% YoY+0.8% QoQ	-5.8%	24.6%	21.7%	20.0%	50%
Indirect Auto %	43.0% -3.3% YoY-0.4% QoQ	+29.4%	13.6%	9.1%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#136 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.74%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#304 of 693 • 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): 0.24% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#224 of 476 • 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): 1.82%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 42.98%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.74%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#167 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.39%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Credit Risk Growth

risk

#357 of 472 • 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): 1.70%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.24% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Efficiency Drag

risk

#415 of 531 • 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: 80.64%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 2.74%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Margin Compression

decline

#139 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 0.87%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.11% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (4 metrics)

152

First Mortgage Concentration (%)

balance_sheet

Value: 11.99%

Peer Median: 29.92%

#152 of 1024 Top 14.7% in 100M-500M tier

221

Member Growth Rate

growth

Value: 2.74%

Peer Median: -0.03%

#221 of 1024 Top 21.5% in 100M-500M tier

237

Loan-to-Share Ratio

balance_sheet

Value: 85.55%

Peer Median: 73.07%

#237 of 1024 Top 23.0% in 100M-500M tier

246

Net Interest Margin (NIM)

profitability

Value: 4.11%

Peer Median: 3.67%

#246 of 1024 Top 23.9% in 100M-500M tier

Top Weaknesses (4 metrics)

961

Indirect Auto Concentration (%)

balance_sheet

Value: 42.98%

Peer Median: 6.15%

#961 of 1024 Bottom 6.2% in 100M-500M tier

889

AMR Growth Rate

growth

Value: -1.39%

Peer Median: 3.53%

#889 of 1024 Bottom 13.3% in 100M-500M tier

889

Average Member Relationship (AMR)

engagement

Value: $16,007

Peer Median: $23,006

#889 of 1024 Bottom 13.3% in 100M-500M tier

816

Fee Income Per Member

profitability

Value: $108.73

Peer Median: $159.88

#816 of 1024 Bottom 20.4% in 100M-500M tier