BlastPoint's Credit Union Scorecard

TRUSTONE FINANCIAL

Charter #68722 · MN

Large 5B-7B

35 CUs in 5B-7B nationally 1 in MN

View Large leaderboard →

TRUSTONE FINANCIAL has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.9% in tier
+ Relationship Depth Leader: Top 57.1% in tier
+ Emerging Performer: Top 68.4% in tier
+ Organic Growth Leader: Top 82.1% in tier
+ ROA 0.16% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 90.6% in tier
- Delinquency rate 0.03% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	220,287 +1.8% YoY+0.3% QoQ	-72.1K	292,342 -2.4% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	Bottom 14.3% in tier
Assets	$6.0B +10.1% YoY+5.3% QoQ	+$223.6M	$5.7B -0.2% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	60%
Loans	$4.1B +4.2% YoY-0.4% QoQ	$-76.5M	$4.2B -1.6% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	40%
Deposits	$4.5B +6.1% YoY+2.7% QoQ	$-355.1M	$4.8B +0.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	23%

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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	1.0% -5.9% YoY+1.5% QoQ	+0.2%	0.8% +27.9% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	71%
NIM	2.5% +8.5% YoY-1.6% QoQ	-0.5%	3.0% +8.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	58.5% -4.0% YoY-1.6% QoQ	-8.7%	67.3% -3.7% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.8% -12.8% YoY-2.0% QoQ	+0.0	0.8% +17.5% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	60%
Loan To Share	91.0% -1.8% YoY-3.0% QoQ	+5.1%	85.9% -2.6% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	43%
AMR	$38,954 +3.3% YoY+0.9% QoQ	+$5K	$34,289 +3.5% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	77%
CD Concentration	30.4% -1.6% YoY+1.6% QoQ	+1.2%	29.1%	22.0%	19.8%	55%
Indirect Auto %	6.6% -7.0% YoY-2.7% QoQ	-10.5%	17.1%	6.5%	7.8%	25%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#28 of 54 • Top 50.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.98%

(Tier: 0.90%, National: 0.67%)

better than tier avg

Indirect Auto %: 6.55%

(Tier: 17.09%, National: 7.78%)

better than tier avg

54 of 68 Large CUs have this signature | 913 nationally

→ No prior data (54 CUs now) | New qualifier

Relationship Depth Leader

growth

#9 of 15 • Top 57.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.33%

(Tier: 3.92%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.2K

(Tier: $3.3K, National: $2.0K)

better than tier avg

15 of 68 Large CUs have this signature | 351 nationally

↑ Growing +6 CUs YoY | Rank worsening

Emerging Performer

growth

#14 of 20 • Top 68.4% 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: 0.98%

(Tier: 0.90%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.82%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

20 of 68 Large CUs have this signature | 282 nationally

→ No prior data (20 CUs now) | New qualifier

Organic Growth Leader

growth

#24 of 29 • Top 82.1% in tier

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

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 6.55%

(Tier: 17.09%, National: 7.78%)

better than tier avg

29 of 68 Large CUs have this signature | 609 nationally

→ No prior data (29 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk

#30 of 33 • Bottom 90.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.02%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.23%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY | Rank worsening

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 35 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: 0.19%

Peer Median: -

#5 of 35 Top 11.4% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,561

Peer Median: -

#6 of 35 Top 14.3% in 5B-7B tier

Efficiency Ratio

profitability

Value: 58.54%

Peer Median: -

#8 of 35 Top 20.0% in 5B-7B tier

Average Member Relationship (AMR)

engagement

Value: $38,954

Peer Median: -

#8 of 35 Top 20.0% in 5B-7B tier

Top Weaknesses (2 metrics)

Fee Income Per Member

profitability

Value: $167.01

Peer Median: -

#30 of 35 Bottom 17.1% in 5B-7B tier

Total Members

engagement

Value: 220,287

Peer Median: -

#30 of 35 Bottom 17.1% in 5B-7B tier