BlastPoint's Credit Union Scorecard

TRUMARK FINANCIAL

Charter #66158 · PA

Mid-Market 3B-5B

Trumark at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Trumark is one of 101 credit unions in the 2026 VentureTech card set. We also found Trumark's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Trumark
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77 CUs in 3B-5B nationally 1 in PA
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TRUMARK FINANCIAL at a glance

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

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)
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17

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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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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

growth
#43 of 69 • Top 38.4% 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): 4.29%
(Tier: 3.62%, National: 35.20%)
better than tier avg
Share Draft per Member: $3.2K
(Tier: $3.2K, National: $2.1K)
but worse than tier avg
69 of 377 Mid-Market CUs have this signature | 354 nationally
↑ Growing +9 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#47 of 168 • Bottom 17.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.62%
(Tier: 85.94%, National: 66.39%)
but better than tier avg
Loan Growth (YoY): 10.00%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
168 of 377 Mid-Market CUs have this signature | 432 nationally
→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#171 of 193 • Bottom 54.0% in tier

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

Why This Signature
Asset Growth (YoY): 4.93%
(Tier: 6.52%, National: 3.30%)
worse than tier avg
Indirect Auto %: 16.64%
(Tier: 18.08%, National: 7.71%)
but better than tier avg
Member Growth (YoY): 1.51%
(Tier: 3.16%, National: 15.67%)
worse than tier avg
193 of 377 Mid-Market CUs have this signature | 714 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)

Comparing against 77 peers in tier

Top Strengths (2 metrics)

12
Average Member Relationship (AMR)
engagement
Value: $39,213
Peer Median: $28,880
#12 of 77 Top 14.3% in 3B-5B tier
12
Loan-to-Member Ratio (LMR)
engagement
Value: $19,569
Peer Median: $13,282
#12 of 77 Top 14.3% in 3B-5B tier

Top Weaknesses (5 metrics)

67
Total Members
engagement
Value: 148,922
Peer Median: 211,695
#67 of 77 Bottom 14.3% in 3B-5B tier
63
Return on Assets (ROA)
profitability
Value: 0.50%
Peer Median: 0.94%
#63 of 77 Bottom 19.5% in 3B-5B tier
62
Efficiency Ratio
profitability
Value: 76.22%
Peer Median: 68.32%
#62 of 77 Bottom 20.8% in 3B-5B tier
61
Net Interest Margin (NIM)
profitability
Value: 2.89%
Peer Median: 3.28%
#61 of 77 Bottom 22.1% in 3B-5B tier
60
Deposit Growth Rate
growth
Value: 2.03%
Peer Median: 5.62%
#60 of 77 Bottom 23.4% in 3B-5B tier
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