BlastPoint's Credit Union Scorecard
TRUSTONE FINANCIAL
Charter #68722 · MN
TRUSTONE FINANCIAL has 5 strengths but faces 3 concerns
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
- + Organic Growth Engine: Top 19.6% in tier
- + Organic Growth Leader: Top 30.1% in tier
- + Relationship Depth Leader: Top 61.5% in tier
- + Emerging Performer: Top 80.0% in tier
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 19.0% in tier
- - Liquidity Strain: Bottom 20.0% in tier
- - Delinquency rate 0.20% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
219,656
+2.0% YoY+0.5% QoQ
|
-70.1K |
289,724
-2.8% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 14.7% in tier |
| Assets |
$5.7B
+5.9% YoY+2.2% QoQ
|
$-124.9M |
$5.8B
+0.2% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$4.1B
+6.5% YoY+2.5% QoQ
|
+$24.1M |
$4.1B
-3.1% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$4.4B
+5.3% YoY+1.5% QoQ
|
$-512.9M |
$4.9B
+2.2% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.7% in tier |
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| ROA |
1.0%
-14.5% YoY-6.9% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
2.6%
+8.8% YoY+2.9% QoQ
|
-0.3% |
2.9%
+3.9% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
59.5%
+0.1% YoY-1.4% QoQ
|
-8.6% |
68.1%
-1.7% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.8%
-9.7% YoY-1.0% QoQ
|
+0.2 |
0.6%
-2.2% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
93.9%
+1.1% YoY+0.9% QoQ
|
+10.2% |
83.6%
-5.7% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$38,615
+3.9% YoY+1.4% QoQ
|
+$4K |
$34,398
+4.0% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
29.9%
-0.2% YoY+3.5% QoQ
|
+1.0% |
28.9%
-1.3% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
53% |
| Indirect Auto % |
6.7%
-9.0% YoY-1.9% QoQ
|
-9.9% |
16.6%
-10.3% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
27% |
Signature Analysis
Strengths (4)
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 (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)