BlastPoint's Credit Union Scorecard

TRUNORTH

Charter #6332 · MI

1077 CUs in 100M-500M nationally 67 in MI

TRUNORTH has 2 strengths but faces 11 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 15.3% in tier
+ Total Delinquency Rate (60+ days): Top 4.4% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 10.0% in tier
- Membership Headwinds: Bottom 11.1% in tier
- Stagnation Risk: Bottom 21.0% in tier
- Efficiency Drag: Bottom 22.1% in tier
- Credit Quality Pressure: Bottom 24.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 7.69% above tier (higher cost structure)
- Member decline: -3.8% YoY
- Asset Growth Rate: Bottom 1.6% in tier
- Loan Growth Rate: Bottom 7.8% in tier
- First Mortgage Concentration (%): Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	15,464 -3.8% YoY-0.6% QoQ	-164	15,628 -3.4% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	59%
Assets	$193.2M -7.2% YoY-0.1% QoQ	$-38.1M	$231.3M -0.0% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	49%
Loans	$108.0M -6.8% YoY+0.2% QoQ	$-39.8M	$147.8M -1.4% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	40%
Deposits	$175.1M -0.2% YoY-0.6% QoQ	$-25.2M	$200.3M -0.0% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	51%

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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	0.5% +159.6% YoY+30.6% QoQ	-0.3%	0.8% +15.5% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	30%
NIM	3.0% +38.2% YoY+6.3% QoQ	-0.6%	3.6% +6.9% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	20%
Efficiency Ratio	85.0% -6.5% YoY-3.0% QoQ	+7.7%	77.3% -3.0% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	76%
Delinquency Rate	0.1% +118.3% YoY-2.3% QoQ	-0.8	0.9% +7.6% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	Bottom 4.4% in tier
Loan To Share	61.7% -6.6% YoY+0.7% QoQ	-11.0%	72.7% -1.5% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	24%
AMR	$18,303 +1.0% YoY+0.3% QoQ	$-6K	$24,363 +2.9% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	24%
CD Concentration	11.9% -17.1% YoY-4.6% QoQ	-12.5%	24.4% +4.2% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	9.1% -20.4% YoY+0.1% QoQ	-4.9%	14.0% -5.7% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#53 of 340 • Top 15.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.10%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#80 of 256 • Bottom 10.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $193.18M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.77%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#183 of 550 • Bottom 11.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#346 of 550 • Bottom 21.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.77%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.10%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk

#390 of 521 • Bottom 22.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.96%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -3.75%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#595 of 736 • Bottom 24.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (4 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

123

Net Charge-Off Rate

risk

Value: 0.07%

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

155

Share Certificate Concentration (%)

balance_sheet

Value: 11.92%

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

222

Members Per Employee (MPE)

engagement

Value: 396.513

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (12 metrics)

1061

Asset Growth Rate

growth

Value: -7.18%

Peer Avg: -

#1061 of 1077 Bottom 1.6% in 100M-500M tier

994

Loan Growth Rate

growth

Value: -6.77%

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

984

First Mortgage Concentration (%)

balance_sheet

Value: 55.44%

Peer Avg: -

#984 of 1077 Bottom 8.7% in 100M-500M tier

920

Member Growth Rate

growth

Value: -3.75%

Peer Avg: -

#920 of 1077 Bottom 14.7% in 100M-500M tier

884

Deposit Growth Rate

growth

Value: -0.15%

Peer Avg: -

#884 of 1077 Bottom 18.0% in 100M-500M tier

866

Net Interest Margin (NIM)

profitability

Value: 3.00%

Peer Avg: -

#866 of 1077 Bottom 19.7% in 100M-500M tier

834

Fee Income Per Member

profitability

Value: $114.97

Peer Avg: -

#834 of 1077 Bottom 22.7% in 100M-500M tier

831

Loan-to-Member Ratio (LMR)

engagement

Value: $6,982

Peer Avg: -

#831 of 1077 Bottom 22.9% in 100M-500M tier

824

Efficiency Ratio

profitability

Value: 84.96%

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier

819

Net Worth Ratio

risk

Value: 9.79%

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier