BlastPoint's Credit Union Scorecard
TRUSTONE FINANCIAL
Charter #68722 · MN
TRUSTONE FINANCIAL has 6 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
- + Emerging Performer: Top 31.8% in tier
- + Relationship Depth Leader: Top 46.9% in tier
- + Organic Growth Engine: Top 65.6% in tier
- + Organic Growth Leader: Top 65.6% in tier
- + ROA 0.19% above tier average
- + Net Charge-Off Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
221,057
+1.8% YoY+0.3% QoQ
|
-86.7K |
307,793
+7.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
Bottom 13.5% in tier |
| Assets |
$6.1B
+9.1% YoY+1.5% QoQ
|
+$290.3M |
$5.8B
-0.2% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$4.1B
+3.8% YoY-0.6% QoQ
|
$-91.0M |
$4.2B
+0.4% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$4.6B
+6.0% YoY+2.3% QoQ
|
$-299.2M |
$4.9B
+0.2% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
1.0%
+12.3% YoY+7.5% QoQ
|
+0.2% |
0.9%
+47.0% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
2.5%
+5.0% YoY+0.7% QoQ
|
-0.6% |
3.2%
+9.8% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
60.6%
-2.1% YoY+3.5% QoQ
|
-6.0% |
66.6%
-11.0% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
0.8%
-2.4% YoY+3.7% QoQ
|
+0.1 |
0.7%
+23.3% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
88.4%
-2.0% YoY-2.9% QoQ
|
+3.7% |
84.7%
-0.7% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$39,177
+3.1% YoY+0.6% QoQ
|
+$7K |
$32,237
-7.3% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
30.5%
+3.9% YoY+0.3% QoQ
|
+1.8% | 28.6% | 22.6% | 19.8% | 56% |
| Indirect Auto % |
6.5%
-5.6% YoY-0.6% QoQ
|
-9.9% | 16.4% | 6.4% | 7.7% | 27% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (0)
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)