BlastPoint's Credit Union Scorecard

TRU FI

Charter #68691 · FL

1069 CUs in 100M-500M nationally 35 in FL

TRU FI demonstrates 8 strengths

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 13.6% in tier
+ Emerging Performer: Top 20.4% in tier
+ Organic Growth Leader: Top 45.4% in tier
+ ROA 1.10% above tier average
+ Net Interest Margin 0.43% above tier average
+ Total Delinquency Rate (60+ days): Top 4.6% in tier
+ Net Charge-Off Rate: Top 6.5% in tier
+ Fee Income Per Member: Top 7.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	7,963 +2.8% YoY+1.0% QoQ	-7.5K	15,437 -2.9% YoY	72,012 +7.1% YoY	33,374 +5.7% YoY	17%
Assets	$135.9M +5.8% YoY+0.3% QoQ	$-95.9M	$231.9M +1.3% YoY	$1.1B +9.4% YoY	$561.6M +9.7% YoY	23%
Loans	$86.5M +8.7% YoY+1.3% QoQ	$-60.9M	$147.3M -0.1% YoY	$808.5M +10.5% YoY	$397.0M +8.8% YoY	26%
Deposits	$119.4M +4.6% YoY+1.6% QoQ	$-81.5M	$200.8M +0.8% YoY	$948.9M +9.7% YoY	$477.3M +9.7% YoY	25%

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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	1.9% +69.7% YoY+0.4% QoQ	+1.1%	0.8% +18.2% YoY	0.6% +16.0% YoY	0.7% +15.9% YoY	Top 3.3% in tier
NIM	4.0% +1.1% YoY+0.3% QoQ	+0.4%	3.6% +6.7% YoY	3.6% +4.0% YoY	3.8% +5.1% YoY	74%
Efficiency Ratio	66.8% -8.2% YoY-0.2% QoQ	-10.2%	77.0% -3.1% YoY	77.7% -2.7% YoY	79.7% -3.3% YoY	18%
Delinquency Rate	0.1% -45.2% YoY+44.4% QoQ	-0.8	0.9% +4.2% YoY	0.7% +7.1% YoY	1.3% -2.1% YoY	Bottom 4.6% in tier
Loan To Share	72.4% +3.9% YoY-0.2% QoQ	+0.2%	72.2% -1.1% YoY	71.1% +0.4% YoY	67.4% -1.7% YoY	47%
AMR	$25,847 +3.4% YoY+0.4% QoQ	+$1K	$24,676 +3.4% YoY	$22,519 +3.6% YoY	$19,687 +2.0% YoY	67%
CD Concentration	35.0% +5.6% YoY+2.6% QoQ	+10.6%	24.4%	24.1%	19.8%	50%
Indirect Auto %	5.6% +2.3% YoY+2.4% QoQ	-8.2%	13.8%	10.8%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#82 of 595 • Top 13.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.81%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.86%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 5.57%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#38 of 182 • Top 20.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.86%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.81%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#194 of 426 • Top 45.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.81%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 5.57%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 1069 peers in tier

Top Strengths (7 metrics)

Return on Assets (ROA)

profitability

Value: 1.86%

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: -

#50 of 1069 Top 4.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $283.85

Peer Median: -

#77 of 1069 Top 7.1% in 100M-500M tier

192

Efficiency Ratio

profitability

Value: 66.80%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

224

Loan Growth Rate

growth

Value: 8.74%

Peer Median: -

#224 of 1069 Top 20.9% in 100M-500M tier

226

Member Growth Rate

growth

Value: 2.81%

Peer Median: -

#226 of 1069 Top 21.0% in 100M-500M tier

Top Weaknesses (5 metrics)

915

Share Certificate Concentration (%)

balance_sheet

Value: 35.00%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

901

Members Per Employee (MPE)

engagement

Value: 241.303

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

890

Total Members

engagement

Value: 7,963

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

820

Total Assets

balance_sheet

Value: $135.92M

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier

804

Total Deposits

balance_sheet

Value: $119.35M

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier