TRUMARK FINANCIAL
Charter #66158 | PA
TRUMARK FINANCIAL has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.2% in tier
- + Wallet Share Momentum: Top 14.1% in tier
- + Organic Growth Engine: Top 28.5% in tier
- + Organic Growth Leader: Top 29.8% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 17.3% in tier
- - Liquidity Strain: Bottom 19.7% in tier
- - Credit Quality Pressure: Bottom 21.2% in tier
- - Indirect Auto Dependency: Bottom 29.2% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 0.37% above tier (higher cost structure)
- - Total Members: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
147,270
+1.4% YoY+0.4% QoQ
|
-91.2K |
238,465
+0.6% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.9% in tier |
| Assets |
$3.5B
+2.8% YoY+0.2% QoQ
|
$-502.3M |
$4.0B
-0.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 25.0% in tier |
| Loans |
$2.7B
+8.9% YoY+2.2% QoQ
|
$-312.5M |
$3.0B
+3.3% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$2.9B
+5.4% YoY+0.8% QoQ
|
$-442.2M |
$3.3B
+1.1% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 22.4% in tier |
| ROA |
0.7%
+4.5% YoY+28.8% QoQ
|
-0.1% |
0.7%
+5.3% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
40th in tier |
| NIM |
2.8%
+8.8% YoY+2.5% QoQ
|
-0.4% |
3.2%
+13.7% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 22.4% in tier |
| Efficiency Ratio |
71.6%
-2.0% YoY-3.9% QoQ
|
+0.4% |
71.3%
-0.6% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
57th in tier |
| Delinquency Rate |
0.5%
+10.9% YoY-8.9% QoQ
|
-0.3 |
0.8%
+15.9% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
40th in tier |
| Loan To Share |
93.6%
+3.3% YoY+1.3% QoQ
|
+2.8% |
90.8%
+2.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
54th in tier |
| AMR |
$38,008
+5.6% YoY+1.1% QoQ
|
+$9K |
$29,088
+0.1% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 13.2% in tier |
| CD Concentration |
33.6%
-3.8% YoY-0.7% QoQ
|
+4.6% |
29.0%
+0.8% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
73rd in tier |
| Indirect Auto % |
17.3%
+7.7% YoY-1.0% QoQ
|
-1.5% |
18.8%
-2.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
51st in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Concerns (4)
Growth-at-Risk
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)