BlastPoint's Credit Union Scorecard
TRUWEST
Charter #63832 · AZ
TRUWEST has 2 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + 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
|
52% |
| 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
|
57% |
| 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
|
64% |
| 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
|
59% |
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| 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
|
56% |
| 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
|
82% |
| 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
|
53% |
| 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
|
38% |
| 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
|
51% |
| 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
|
66% |
| CD Concentration |
32.6%
+19.8% YoY+1.1% QoQ
|
+3.6% |
29.0%
+0.7% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
67% |
| Indirect Auto % |
35.1%
-5.8% YoY-1.1% QoQ
|
+16.3% |
18.8%
-3.0% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
83% |
Signature Analysis
Strengths (0)
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)