BlastPoint's Credit Union Scorecard
TRUSTONE FINANCIAL
Charter #68722 · MN
TRUSTONE FINANCIAL has 5 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does MN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 42.2% in tier
- + Emerging Performer: Top 43.9% in tier
- + Organic Growth Leader: Top 67.2% in tier
- + Organic Growth Engine: Top 67.2% in tier
- + ROA 0.08% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 39.4% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Minnesota.
- Shares and deposits +6.3% year over year ($4.58B in shares and deposits).
- Membership: 221,366 members, +1.3% vs a year ago.
- Delinquency rate 0.78%.
- Return on assets 1.01%.
- Efficiency ratio 59.29% vs a 65.18% peer average.
- Loan-to-share ratio 90.61% vs a 85.64% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
221,366
+1.3% YoY+0.1% QoQ
|
-89.6K |
310,918
+6.0% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
Bottom 10.3% in tier |
| Assets |
$6.1B
+9.7% YoY+0.5% QoQ
|
+$301.5M |
$5.8B
-1.1% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$4.2B
+3.6% YoY+2.2% QoQ
|
$-47.4M |
$4.2B
-0.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$4.6B
+6.3% YoY-0.3% QoQ
|
$-311.7M |
$4.9B
-1.3% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
1.0%
-2.0% YoY-3.5% QoQ
|
+0.1% |
0.9%
+35.3% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
2.6%
+3.1% YoY+1.2% QoQ
|
-0.6% |
3.2%
+9.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
59.3%
-1.7% YoY-2.1% QoQ
|
-5.9% |
65.2%
-9.0% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
0.8%
-6.7% YoY-7.3% QoQ
|
+0.0 |
0.8%
+23.8% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
90.6%
-2.6% YoY+2.5% QoQ
|
+5.0% |
85.6%
-0.2% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$39,464
+3.7% YoY+0.7% QoQ
|
+$7K |
$32,010
-7.3% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
30.6%
+6.1% YoY+0.5% QoQ
|
+2.3% | 28.3% | 21.9% | 20.0% | 54% |
| Indirect Auto % |
6.6%
-3.4% YoY+1.9% QoQ
|
-10.2% | 16.8% | 6.4% | 7.7% | 29% |
Signature Analysis
Strengths (4)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)