BlastPoint's Credit Union Scorecard
TRUMARK FINANCIAL
Charter #66158 · PA
TRUMARK FINANCIAL has 4 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 28.5% in tier
- + Organic Growth Leader: Top 29.8% in tier
- + Relationship Depth Leader: Top 40.9% in tier
- + Wallet Share Momentum: Top 88.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: 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
|
25% |
| 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
|
28% |
| 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
|
22% |
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| 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
|
40% |
| 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
|
22% |
| 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
|
57% |
| 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
|
40% |
| 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
|
54% |
| 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%
+0.7% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
73% |
| Indirect Auto % |
17.3%
+7.7% YoY-1.0% QoQ
|
-1.5% |
18.8%
-3.0% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
51% |
Signature Analysis
Strengths (4)
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.
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.
Concerns (4)
Credit Risk Growth
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)