BlastPoint's Credit Union Scorecard
TRUNORTH
Charter #6332 · MI
TRUNORTH has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency ratio 0.51% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,474
-0.8% YoY+0.1% QoQ
|
+328 |
15,145
-2.5% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$203.4M
+0.6% YoY+3.2% QoQ
|
$-28.3M |
$231.7M
+0.8% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$108.2M
-0.6% YoY+0.5% QoQ
|
$-36.0M |
$144.1M
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$184.4M
+4.3% YoY+3.8% QoQ
|
$-16.8M |
$201.1M
+0.4% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.8%
+199.7% YoY+38.1% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
3.2%
+21.4% YoY+4.1% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
78.5%
-11.7% YoY-4.9% QoQ
|
+0.5% |
78.0%
-1.7% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.2%
+33.8% YoY-12.3% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
58.7%
-4.7% YoY-3.2% QoQ
|
-11.7% |
70.4%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
24% |
| AMR |
$18,906
+3.3% YoY+2.5% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
12.2%
-3.1% YoY-3.4% QoQ
|
-12.1% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
8.9%
-10.1% YoY+0.1% QoQ
|
-4.9% | 13.8% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)