BlastPoint's Credit Union Scorecard
TRUMARK FINANCIAL
Charter #66158 · PA
TRUMARK FINANCIAL has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 38.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.1% in tier
- - Indirect Auto Dependency: Bottom 54.0% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 6.77% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in Pennsylvania.
- Shares and deposits +2.0% year over year ($2.93B in shares and deposits).
- Membership: 148,922 members, +1.5% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.50%.
- Efficiency ratio 76.22% vs a 69.45% peer average.
- Loan-to-share ratio 99.62% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
148,922
+1.5% YoY+0.6% QoQ
|
-67.6K |
216,545
-9.5% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 13.0% in tier |
| Assets |
$3.6B
+4.9% YoY+1.8% QoQ
|
$-269.7M |
$3.9B
-1.6% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$2.9B
+10.0% YoY+3.6% QoQ
|
$-16.9M |
$2.9B
-1.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$2.9B
+2.0% YoY-2.2% QoQ
|
$-331.9M |
$3.3B
-2.6% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
0.5%
-1.9% YoY+83.6% QoQ
|
-0.4% |
0.9%
+25.3% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
2.9%
+7.2% YoY+0.6% QoQ
|
-0.3% |
3.2%
+3.8% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
76.2%
+2.2% YoY-6.5% QoQ
|
+6.8% |
69.5%
-2.3% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.5%
-4.6% YoY+6.9% QoQ
|
-0.3 |
0.8%
+5.5% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
99.6%
+7.8% YoY+5.9% QoQ
|
+9.4% |
90.2%
+0.9% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$39,213
+4.3% YoY+0.1% QoQ
|
+$8K |
$31,018
+6.9% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
32.9%
-2.6% YoY-3.8% QoQ
|
+3.8% | 29.1% | 15.6% | 20.0% | 67% |
| Indirect Auto % |
16.6%
-4.8% YoY-0.1% QoQ
|
-1.4% | 18.1% | 8.4% | 7.7% | 52% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)