BlastPoint's Credit Union Scorecard

TRU FI

Charter #68691 · FL

1077 CUs in 100M-500M nationally 35 in FL

TRU FI demonstrates 10 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 5.1% in tier
+ Credit Quality Leader: Top 11.5% in tier
+ Organic Growth Leader: Top 14.2% in tier
+ Profitability Leader: Top 15.9% in tier
+ Emerging Performer: Top 19.5% in tier
+ ROA 1.07% above tier average
+ Net Interest Margin 0.44% above tier average
+ Total Delinquency Rate (60+ days): Top 3.3% in tier
+ Net Charge-Off Rate: Top 7.0% in tier
+ Fee Income Per Member: Top 7.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	7,882 +2.8% YoY0% QoQ	-7.7K	15,628 -3.4% YoY	69,671 +4.3% YoY	33,089 +6.1% YoY	Bottom 14.9% in tier
Assets	$135.5M +7.4% YoY+1.1% QoQ	$-95.8M	$231.3M -0.0% YoY	$1.1B +3.8% YoY	$547.7M +7.8% YoY	23%
Loans	$85.3M +10.8% YoY+4.1% QoQ	$-62.5M	$147.8M -1.4% YoY	$773.4M +7.4% YoY	$388.7M +8.6% YoY	25%
Deposits	$117.5M +4.3% YoY+0.2% QoQ	$-82.8M	$200.3M -0.0% YoY	$908.2M +6.5% YoY	$464.6M +9.3% YoY	24%

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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	1.9% +59.4% YoY+12.1% QoQ	+1.1%	0.8% +15.5% YoY	0.6% +15.9% YoY	0.7% +273.4% YoY	Top 4.6% in tier
NIM	4.0% +2.3% YoY+2.4% QoQ	+0.4%	3.6% +6.9% YoY	3.6% +6.7% YoY	3.7% +5.0% YoY	74%
Efficiency Ratio	66.9% -8.9% YoY-4.0% QoQ	-10.4%	77.3% -3.0% YoY	79.0% +0.0% YoY	79.1% -3.3% YoY	18%
Delinquency Rate	0.1% -70.8% YoY-1.8% QoQ	-0.8	0.9% +7.6% YoY	0.7% +3.1% YoY	1.2% -0.9% YoY	Bottom 3.3% in tier
Loan To Share	72.6% +6.2% YoY+3.9% QoQ	-0.1%	72.7% -1.5% YoY	71.2% +0.4% YoY	68.0% -1.7% YoY	46%
AMR	$25,734 +4.0% YoY+1.8% QoQ	+$1K	$24,363 +2.9% YoY	$22,283 +3.7% YoY	$19,418 +1.3% YoY	68%
CD Concentration	34.1% +3.0% YoY+5.6% QoQ	+9.7%	24.4% +4.2% YoY	23.4% +4.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	5.4% +0.5% YoY-2.4% QoQ	-8.5%	14.0% -5.7% YoY	10.9% -1.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#94 of 603 • Top 5.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.82%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.86%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 5.43%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Credit Quality Leader

growth

#40 of 340 • Top 11.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.07%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.17% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Organic Growth Leader

growth

#188 of 430 • Top 14.2% in tier

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

Why This Signature

Member Growth (YoY): 2.82%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 5.43%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Profitability Leader

growth

#55 of 340 • Top 15.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.86%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.69% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Emerging Performer

growth

#38 of 191 • Top 19.5% 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: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.82%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Avg: -

#37 of 1077 Top 3.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.86%

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#76 of 1077 Top 7.0% in 100M-500M tier

Fee Income Per Member

profitability

Value: $281.83

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

140

Loan Growth Rate

growth

Value: 10.83%

Peer Avg: -

#140 of 1077 Top 12.9% in 100M-500M tier

198

Efficiency Ratio

profitability

Value: 66.92%

Peer Avg: -

#198 of 1077 Top 18.3% in 100M-500M tier

230

Member Growth Rate

growth

Value: 2.82%

Peer Avg: -

#230 of 1077 Top 21.3% in 100M-500M tier

246

Asset Growth Rate

growth

Value: 7.37%

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (5 metrics)

925

Members Per Employee (MPE)

engagement

Value: 238.848

Peer Avg: -

#925 of 1077 Bottom 14.2% in 100M-500M tier

917

Total Members

engagement

Value: 7,882

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

890

Share Certificate Concentration (%)

balance_sheet

Value: 34.10%

Peer Avg: -

#890 of 1077 Bottom 17.5% in 100M-500M tier

826

Total Assets

balance_sheet

Value: $135.50M

Peer Avg: -

#826 of 1077 Bottom 23.4% in 100M-500M tier

822

Total Deposits

balance_sheet

Value: $117.52M

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier