BlastPoint's Credit Union Scorecard
TELCO TRIAD COMMUNITY
Charter #63218 · IA
TELCO TRIAD COMMUNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 62.3% in tier
- + Emerging Performer: Top 63.5% in tier
- + ROA 0.47% above tier average
- + Net Interest Margin 0.59% above tier average
- + Total Delinquency Rate (60+ days): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.2% in tier
- - Margin Compression: Bottom 65.6% in tier
- - Indirect Auto Concentration (%): Bottom 6.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,010
+1.8% YoY+0.3% QoQ
|
+572 |
15,437
-2.9% YoY
|
24,743
-0.2% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$158.4M
+5.3% YoY+0.3% QoQ
|
$-73.5M |
$231.9M
+1.3% YoY
|
$526.3M
+6.5% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$120.2M
+4.0% YoY-0.6% QoQ
|
$-27.2M |
$147.3M
-0.1% YoY
|
$422.1M
+6.5% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$138.7M
+3.8% YoY+0.1% QoQ
|
$-62.1M |
$200.8M
+0.8% YoY
|
$432.9M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
34% |
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| ROA |
1.2%
-10.6% YoY+9.6% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.9%
+6.1% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.2%
+7.9% YoY+0.5% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.9%
+6.4% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
72.2%
+5.0% YoY-1.7% QoQ
|
-4.8% |
77.0%
-3.1% YoY
|
74.3%
-0.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.2%
-37.9% YoY-28.3% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
1.4%
+32.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 9.8% in tier |
| Loan To Share |
86.7%
+0.2% YoY-0.7% QoQ
|
+14.4% |
72.2%
-1.1% YoY
|
76.3%
-0.8% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$16,166
+2.1% YoY-0.5% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$21,029
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.2% in tier |
| CD Concentration |
19.6%
+14.0% YoY+3.7% QoQ
|
-4.9% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
43.7%
-5.7% YoY-0.8% QoQ
|
+29.9% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)