BlastPoint's Credit Union Scorecard
TRUMARK FINANCIAL
Charter #66158 · PA
TRUMARK FINANCIAL has 4 strengths but faces 5 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 37.5% in tier
- + Wallet Share Momentum: Top 78.7% in tier
- + Organic Growth Engine: Top 81.3% in tier
- + Organic Growth Leader: Top 83.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 46.7% in tier
- - Credit Risk Growth: Bottom 62.6% in tier
- - Indirect Auto Dependency: Bottom 85.6% in tier
- - Credit Quality Pressure: Bottom 88.6% in tier
- - ROA 0.04% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
147,993
+1.5% YoY+0.5% QoQ
|
-82.4K |
230,353
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 10.5% in tier |
| Assets |
$3.5B
+5.1% YoY+1.7% QoQ
|
$-415.3M |
$3.9B
+0.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$2.8B
+10.5% YoY+2.3% QoQ
|
$-165.9M |
$2.9B
-0.2% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$2.9B
+5.2% YoY+2.0% QoQ
|
$-362.6M |
$3.3B
-0.3% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.7%
+20.7% YoY+2.6% QoQ
|
-0.0% |
0.7%
+16.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
2.8%
+8.5% YoY+0.4% QoQ
|
-0.4% |
3.1%
+9.8% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
71.4%
-5.7% YoY-0.4% QoQ
|
-0.1% |
71.4%
-1.4% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.6%
+6.9% YoY+7.8% QoQ
|
-0.3 |
0.9%
+5.8% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
41% |
| Loan To Share |
93.9%
+5.0% YoY+0.3% QoQ
|
+5.0% |
88.9%
-0.2% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$38,634
+6.1% YoY+1.6% QoQ
|
+$9K |
$29,682
+1.5% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 14.5% in tier |
| CD Concentration |
33.9%
-0.3% YoY+0.9% QoQ
|
+4.8% | 29.0% | 15.5% | 19.8% | 72% |
| Indirect Auto % |
16.9%
+6.1% YoY-2.3% QoQ
|
-1.4% | 18.3% | 8.1% | 7.8% | 52% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)