TRUWEST
Charter #63832 | AZ
TRUWEST has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 17.9% in tier
- + Emerging Performer: Top 22.1% in tier
- + Wallet Share Momentum: Top 27.2% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.6% in tier
- - Credit Quality Pressure: Bottom 21.4% in tier
- - Efficiency ratio 1.12% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
89,948
-0.2% YoY-0.7% QoQ
|
-8.7K |
98,678
-1.9% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$1.7B
-5.2% YoY-1.0% QoQ
|
$-68.4M |
$1.7B
+0.5% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
57th in tier |
| Loans |
$1.3B
-0.4% YoY+1.1% QoQ
|
+$55.4M |
$1.2B
+0.5% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
64th in tier |
| Deposits |
$1.5B
+5.4% YoY-1.2% QoQ
|
+$761K |
$1.5B
+1.3% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
0.7%
+16.2% YoY+7.9% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
56th in tier |
| NIM |
3.8%
+11.0% YoY+2.3% QoQ
|
+0.5% |
3.3%
+9.3% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
Top 18.4% in tier |
| Efficiency Ratio |
75.1%
-2.9% YoY+0.3% QoQ
|
+1.1% |
74.0%
-10.9% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
53rd in tier |
| Delinquency Rate |
0.6%
+9.7% YoY+33.5% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
38th in tier |
| Loan To Share |
88.5%
-5.6% YoY+2.2% QoQ
|
+3.4% |
85.2%
-0.8% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
51st in tier |
| AMR |
$30,502
+2.8% YoY+0.6% QoQ
|
+$1K |
$29,172
+2.8% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
66th in tier |
| CD Concentration |
32.6%
+19.8% YoY+1.1% QoQ
|
+3.6% |
29.0%
+0.8% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
67th in tier |
| Indirect Auto % |
35.1%
-5.8% YoY-1.1% QoQ
|
+16.3% |
18.8%
-2.8% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
Top 17.2% in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)