BlastPoint's Credit Union Scorecard

TRULIANT

Charter #7840 · NC

Large 5B-7B

Truliant at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Truliant is one of 101 credit unions in the 2026 VentureTech card set. We also found Truliant's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Truliant

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TRULIANT
PEER · AT VENTURETECH
PEER · AT VENTURETECH
TRULIANT'S BIGGEST OPPORTUNITY

39 CUs in 5B-7B nationally 2 in NC

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TRULIANT has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 17.2% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 1.00% above tier average
+ Fee Income Per Member: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 34.8% in tier
- Credit Quality Pressure: Bottom 45.3% in tier
- Credit Risk Growth: Bottom 53.1% in tier
- Stagnation Risk: Bottom 89.1% in tier
- Membership Headwinds: Bottom 89.1% in tier
- Delinquency rate 0.12% above tier average
- Member decline: -2.4% YoY
- Net Charge-Off Rate: Bottom 2.6% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	328,760 -2.4% YoY-1.5% QoQ	+17.8K	310,918 +6.0% YoY	91,933 +2.2% YoY	34,678 +6.6% YoY	62%
Assets	$5.6B +9.1% YoY+3.0% QoQ	$-174.7M	$5.8B -1.1% YoY	$1.6B +7.2% YoY	$593.1M +10.2% YoY	44%
Loans	$4.6B +4.2% YoY+3.0% QoQ	+$375.7M	$4.2B -0.7% YoY	$1.1B +5.6% YoY	$418.6M +10.1% YoY	67%
Deposits	$4.9B +6.3% YoY+2.8% QoQ	$-11.0M	$4.9B -1.3% YoY	$1.4B +7.1% YoY	$504.8M +10.3% YoY	56%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +26.4% YoY-18.5% QoQ	+0.3%	0.9% +35.3% YoY	0.9% +189.6% YoY	1.2% +121.4% YoY	77%
NIM	4.2% -0.3% YoY+0.7% QoQ	+1.0%	3.2% +9.5% YoY	4.0% +0.2% YoY	3.8% +2.3% YoY	Top 10.3% in tier
Efficiency Ratio	62.8% -2.3% YoY+10.9% QoQ	-2.4%	65.2% -9.0% YoY	83.1% +0.7% YoY	83.0% -5.3% YoY	38%
Delinquency Rate	0.9% +3.8% YoY+9.8% QoQ	+0.1	0.8% +23.8% YoY	1.5% +12.0% YoY	1.3% +2.6% YoY	72%
Loan To Share	93.7% -2.0% YoY+0.2% QoQ	+8.1%	85.6% -0.2% YoY	74.9% +0.0% YoY	66.4% -1.4% YoY	62%
AMR	$28,774 +7.8% YoY+4.5% QoQ	$-3K	$32,010 -7.3% YoY	$17,976 +4.0% YoY	$20,028 -0.9% YoY	38%
CD Concentration	34.4% -7.7% YoY-5.2% QoQ	+6.0%	28.3%	21.4%	20.0%	76%
Indirect Auto %	12.4% -20.5% YoY-5.3% QoQ	-4.4%	16.8%	4.6%	7.7%	41%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#11 of 20 • Top 17.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.81%

(Tier: 4.16%, National: 35.20%)

better than tier avg

20 of 67 Large CUs have this signature | 635 nationally

→ Stable (17→20 CUs) +3 CUs YoY

Concerns (5)

Stagnation Risk

risk

#7 of 13 • Bottom 89.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 4.17%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.90%

(Tier: 0.79%, National: 1.26%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY

Membership Headwinds

decline

#8 of 13 • Bottom 89.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.39%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

13 of 67 Large CUs have this signature | 653 nationally

→ Stable (11→13 CUs) +2 CUs YoY | Rank worsening

Credit Risk Growth

risk

#23 of 28 • Bottom 53.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.17%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | New qualifier

Liquidity Strain

risk

#24 of 28 • Bottom 34.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.69%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 4.17%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#29 of 33 • Bottom 45.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.07% points, National: 0.08% points)

but better than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | New qualifier

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 39 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $348.50

Peer Median: $208.80

#3 of 39 Top 5.1% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 4.21%

Peer Median: 3.25%

#4 of 39 Top 7.7% in 5B-7B tier

AMR Growth Rate

growth

Value: 7.81%

Peer Median: 2.28%

#6 of 39 Top 12.8% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 20.50%

Peer Median: 34.95%

#6 of 39 Top 12.8% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.85%

#9 of 39 Top 20.5% in 5B-7B tier

Top Weaknesses (3 metrics)

Net Charge-Off Rate

risk

Value: 1.33%

Peer Median: 0.62%

#39 of 39 Bottom 2.6% in 5B-7B tier

Member Growth Rate

growth

Value: -2.39%

Peer Median: 2.78%

#36 of 39 Bottom 10.3% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 332.417

Peer Median: 423.198

#31 of 39 Bottom 23.1% in 5B-7B tier