BlastPoint's Credit Union Scorecard
TRU FI
Charter #68691 · FL
TRU FI has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.86% above tier average
- + Net Interest Margin 0.38% above tier average
- + Net Charge-Off Rate: Top 0.5% in tier
- + Fee Income Per Member: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits +8.6% year over year ($127M in shares and deposits).
- Membership: 8,118 members, +3.0% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 1.73%.
- Efficiency ratio 70.21% vs a 76.73% peer average.
- Loan-to-share ratio 67.70% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,118
+3.0% YoY+1.1% QoQ
|
-7.1K |
15,168
-2.6% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$146.4M
+9.1% YoY+2.5% QoQ
|
$-85.7M |
$232.0M
+0.7% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$86.2M
+5.2% YoY+0.2% QoQ
|
$-60.1M |
$146.3M
+0.2% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$127.3M
+8.6% YoY+2.9% QoQ
|
$-73.4M |
$200.7M
+0.2% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
1.7%
+4.3% YoY+1.8% QoQ
|
+0.9% |
0.9%
+12.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Top 7.2% in tier |
| NIM |
4.1%
+3.6% YoY+1.0% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
70.2%
+0.7% YoY+2.3% QoQ
|
-6.5% |
76.7%
-0.8% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
27% |
| Delinquency Rate |
0.6%
+727.9% YoY+467.5% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
67.7%
-3.1% YoY-2.6% QoQ
|
-3.8% |
71.5%
-0.3% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$26,306
+4.1% YoY+0.7% QoQ
|
+$1K |
$25,107
+3.2% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
35.2%
+8.9% YoY-0.2% QoQ
|
+10.6% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % |
5.9%
+5.2% YoY+1.2% QoQ
|
-7.8% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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 (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)