TRUSTONE FINANCIAL
Charter #68722 | MN
5B-7B
(34 CUs)
Large
($5B-$10B)
(64 CUs)
1 5B-7B in MN
TRUSTONE FINANCIAL has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.7% in tier
- + Emerging Performer: Top 19.5% in tier
- + Organic Growth Engine: Top 19.6% in tier
- + Wallet Share Momentum: Top 20.5% in tier
- + Organic Growth Leader: Top 30.1% 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
|
44th in tier |
| 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
|
44th in tier |
| 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 |
| 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
|
71st in tier |
| 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
|
32nd in tier |
| 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
|
Bottom 17.6% in tier |
| 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
|
74th in tier |
| 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
|
65th in tier |
| 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
|
Top 23.5% in tier |
| 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
|
53rd in tier |
| 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
|
27th in tier |
Signature Analysis
Strengths (5)
Relationship Depth Leader
growth
#17 of 46 • Top 13.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.87%
(Tier:
2.82%, National:
4.19%)
Share Draft per Member:
$3.9K
(Tier: $3.2K, National: $2.0K)
46 of 64 Large CUs have this signature
| 1330 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Emerging Performer
growth
#18 of 31 • Top 19.5% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.96%
(Tier:
0.91%, National:
0.71%)
Member Growth (YoY):
1.96%
(Tier:
3.07%, National:
9.37%)
31 of 64 Large CUs have this signature
| 852 nationally
→ Stable (27→31 CUs)
+4 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#30 of 50 • Top 19.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.96%
(Tier:
3.07%, National:
9.37%)
Return on Assets:
0.96%
(Tier:
0.91%, National:
0.71%)
Indirect Auto %:
6.74%
(Tier:
16.60%, National:
7.90%)
50 of 64 Large CUs have this signature
| 917 nationally
→ Stable (52→50 CUs)
-2 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#25 of 46 • Top 20.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.87%
(Tier:
2.82%, National:
4.19%)
46 of 64 Large CUs have this signature
| 1330 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#26 of 28 • Top 30.1% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.96%
(Tier:
3.07%, National:
9.37%)
28 of 64 Large CUs have this signature
| 608 nationally
→ Stable (28→28 CUs)
Concerns (2)
Margin Compression
decline
#5 of 8 • Bottom 19.0% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.96%
(Tier:
0.91%, National:
0.71%)
ROA Change (YoY):
-0.16% points
(Tier:
0.13% points, National:
0.05% points)
Total Assets:
$5.67B
(Tier: $5.79B, National: $547.69M)
8 of 64 Large CUs have this signature
| 169 nationally
→ Stable (8→8 CUs)
|
New qualifier
Liquidity Strain
risk
#18 of 32 • Bottom 20.0% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
93.86%
(Tier:
84.48%, National:
67.96%)
Loan Growth (YoY):
6.51%
(Tier:
4.99%, National:
36.38%)
32 of 64 Large CUs have this signature
| 484 nationally
→ Stable (27→32 CUs)
+5 CUs YoY
|
Rank improving
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)
Top Strengths (5 metrics)
5
Net Charge-Off Rate
risk
Value:
0.16%
Peer Avg: 0.57%
#5 of 34
Top 11.8% in 5B-7B tier
6
Loan-to-Member Ratio (LMR)
engagement
Value:
$18,696
Peer Avg: $15,308
#6 of 34
Top 14.7% in 5B-7B tier
7
Efficiency Ratio
profitability
Value:
59.50%
Peer Avg: 68.13%
#7 of 34
Top 17.6% in 5B-7B tier
8
Average Member Relationship (AMR)
engagement
Value:
$38,615
Peer Avg: $34,398
#8 of 34
Top 20.6% in 5B-7B tier
9
First Mortgage Concentration (%)
balance_sheet
Value:
27.24%
Peer Avg: 37.88%
#9 of 34
Top 23.5% in 5B-7B tier
Top Weaknesses (3 metrics)
29
Fee Income Per Member
profitability
Value:
$173.92
Peer Avg: $213.89
#29 of 34
Bottom 17.6% in 5B-7B tier
29
Total Members
engagement
Value:
219,656
Peer Avg: 289,725
#29 of 34
Bottom 17.6% in 5B-7B tier
29
Total Deposits
balance_sheet
Value:
$4.38B
Peer Avg: $4.89B
#29 of 34
Bottom 17.6% in 5B-7B tier