BlastPoint's Credit Union Scorecard
TELCO TRIAD COMMUNITY
Charter #63218 · IA
TELCO TRIAD COMMUNITY has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.6% in tier
- + Credit Quality Leader: Top 66.1% in tier
- + Emerging Performer: Top 80.0% in tier
- + Profitability Leader: Top 98.8% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.59% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.8% in tier
- - Credit Risk Growth: Bottom 26.6% in tier
- - Credit Quality Pressure: Bottom 26.8% in tier
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,969
+1.4% YoY+0.8% QoQ
|
+340 |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$158.0M
+6.7% YoY+0.2% QoQ
|
$-73.3M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$120.9M
+4.4% YoY+2.3% QoQ
|
$-26.9M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$138.5M
+4.9% YoY-0.4% QoQ
|
$-61.8M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
1.1%
+11.7% YoY+29.0% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
4.2%
+8.6% YoY+1.3% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
73.5%
+0.1% YoY-5.3% QoQ
|
-3.8% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.3%
+10.3% YoY+32.8% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
87.3%
-0.4% YoY+2.8% QoQ
|
+14.6% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$16,247
+3.2% YoY+0.1% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
18.9%
+12.1% YoY+2.9% QoQ
|
-5.5% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
44.0%
-6.9% YoY-0.9% QoQ
|
+30.0% |
14.0%
-5.7% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)