BlastPoint's Credit Union Scorecard

TRUMARK FINANCIAL

Charter #66158 · PA

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 1 in PA

View Mid-Market leaderboard →

TRUMARK FINANCIAL has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 30.3% in tier
+ Wallet Share Momentum: Top 30.3% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 20.9% in tier
- Liquidity Strain: Bottom 24.8% in tier
- Indirect Auto Dependency: Bottom 60.5% in tier
- ROA 0.46% below tier average
- Efficiency ratio 10.22% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	148,073 +1.4% YoY+0.1% QoQ	-72.4K	220,435 -7.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	Bottom 12.8% in tier
Assets	$3.6B +4.0% YoY+1.1% QoQ	$-349.1M	$3.9B -1.5% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	36%
Loans	$2.8B +9.6% YoY+1.6% QoQ	$-80.8M	$2.9B -1.1% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	42%
Deposits	$3.0B +4.3% YoY+1.4% QoQ	$-307.1M	$3.3B -2.5% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	35%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -23.6% YoY-59.6% QoQ	-0.5%	0.7% +10.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	18%
NIM	2.9% +9.1% YoY+3.5% QoQ	-0.3%	3.2% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	81.5% +0.7% YoY+14.2% QoQ	+10.2%	71.3% -2.6% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	85%
Delinquency Rate	0.5% -2.8% YoY-9.1% QoQ	-0.2	0.7% +9.2% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	47%
Loan To Share	94.0% +5.1% YoY+0.1% QoQ	+6.0%	88.0% +0.9% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	64%
AMR	$39,191 +5.3% YoY+1.4% QoQ	+$9K	$30,672 +5.5% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	85%
CD Concentration	34.2% +2.8% YoY+1.1% QoQ	+5.4%	28.8%	15.4%	19.8%	74%
Indirect Auto %	16.6% +3.1% YoY-1.5% QoQ	-1.4%	18.1%	8.3%	7.7%	52%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#33 of 64 • Top 30.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.34%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.2K

(Tier: $3.3K, National: $2.1K)

but worse than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#115 of 125 • Top 30.3% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.34%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#49 of 100 • Bottom 20.9% in tier

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

Why This Signature

Efficiency Ratio: 81.50%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.42%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank improving

Liquidity Strain

risk

#76 of 148 • Bottom 24.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.03%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.64%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#177 of 198 • Bottom 60.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.03%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.65%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 1.42%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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 78 peers in tier

Top Strengths (2 metrics)

Average Member Relationship (AMR)

engagement

Value: $39,191

Peer Median: $28,813

#12 of 78 Top 14.1% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,992

Peer Median: $13,137

#12 of 78 Top 14.1% in 3B-5B tier

Top Weaknesses (4 metrics)

Total Members

engagement

Value: 148,073

Peer Median: 212,824

#68 of 78 Bottom 14.1% in 3B-5B tier

Efficiency Ratio

profitability

Value: 81.50%

Peer Median: 69.26%

#67 of 78 Bottom 15.4% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.75%

#64 of 78 Bottom 19.2% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.87%

Peer Median: 3.23%

#60 of 78 Bottom 24.4% in 3B-5B tier