TRULIANT

Charter #7840 | NC

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in NC

TRULIANT has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 13.7% in tier
  • + Emerging Performer: Top 21.8% in tier
  • + Relationship Depth Leader: Top 26.5% in tier
  • + ROA 0.25% above tier average
  • + Net Interest Margin 1.38% above tier average
  • + Fee Income Per Member: Top 5.9% in tier
  • + Loan-to-Share Ratio: Top 8.8% in tier
  • + First Mortgage Concentration (%): Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 16.5% in tier
  • - Membership Headwinds: Bottom 21.7% in tier
  • - Stagnation Risk: Bottom 26.1% in tier
  • - Delinquency rate 0.23% above tier average
  • - Member decline: -2.9% YoY
  • - Net Charge-Off Rate: Bottom 2.9% in tier
  • - Member Growth Rate: Bottom 5.9% in tier
  • - Deposit Growth Rate: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Members 334,571
-2.9% YoY-0.7% QoQ
 +44.8K 289,724
-2.8% YoY
 91,841
+6.6% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $5.2B
-0.3% YoY+1.2% QoQ
 $-586.4M $5.8B
+0.2% YoY
 $1.5B
+5.5% YoY
 $547.7M
+7.8% YoY
 Bottom 23.5% in tier
Loans $4.4B
+3.3% YoY+0.4% QoQ
 +$328.0M $4.1B
-3.1% YoY
 $1.1B
+9.9% YoY
 $388.7M
+8.6% YoY
 56th in tier
Deposits $4.5B
+1.0% YoY-1.7% QoQ
 $-368.6M $4.9B
+2.2% YoY
 $1.3B
+12.1% YoY
 $464.6M
+9.3% YoY
 32nd in tier
ROA 1.1%
+55.7% YoY+7.5% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.4%
-19.0% YoY
 0.7%
+273.4% YoY
 Top 23.5% in tier
NIM 4.3%
+9.2% YoY+1.5% QoQ
 +1.4% 2.9%
+3.9% YoY
 4.1%
+4.0% YoY
 3.7%
+5.0% YoY
 Top 2.9% in tier
Efficiency Ratio 64.1%
-2.0% YoY-0.2% QoQ
 -4.0% 68.1%
-1.7% YoY
 81.5%
-1.2% YoY
 79.1%
-3.3% YoY
 32nd in tier
Delinquency Rate 0.8%
-7.7% YoY-2.2% QoQ
 +0.2 0.6%
-2.2% YoY
 1.5%
+2.4% YoY
 1.2%
-0.9% YoY
 Top 23.5% in tier
Loan To Share 97.6%
+2.2% YoY+2.1% QoQ
 +13.9% 83.6%
-5.7% YoY
 76.3%
+1.1% YoY
 68.0%
-1.7% YoY
 Top 11.8% in tier
AMR $26,692
+5.1% YoY+0.0% QoQ
 $-8K $34,398
+4.0% YoY
 $17,441
+4.0% YoY
 $19,418
+1.3% YoY
 Bottom 23.5% in tier
CD Concentration 35.7%
-6.4% YoY-4.2% QoQ
 +6.8% 28.9%
-1.3% YoY
 20.6%
+2.2% YoY
 19.6%
+6.2% YoY
 73rd in tier
Indirect Auto % 14.4%
-30.7% YoY-7.3% QoQ
 -2.2% 16.6%
-10.3% YoY
 5.3%
-2.9% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#17 of 46 • Top 13.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Emerging Performer

growth
#20 of 31 • Top 21.8% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.05%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.87%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#32 of 46 • Top 26.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.12%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.3K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (3)

Liquidity Strain

risk
#15 of 32 • Bottom 16.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.59%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.25%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

Membership Headwinds

decline
#6 of 10 • Bottom 21.7% in tier

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

Why This Signature
Member Growth (YoY): -2.87%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Stagnation Risk

risk
#7 of 10 • Bottom 26.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.05%
(Tier: 0.91%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.87%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.7K
(Tier: $34.1K, National: $19.4K)
worse than tier avg
CD Concentration: 35.65%
(Tier: 28.87%, National: 19.60%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 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)

Comparing against 34 peers in tier

Top Strengths (5 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 4.28%
Peer Avg: 2.90%
#1 of 34 Top 0.0% in 5B-7B tier
3
Fee Income Per Member
profitability
Value: $337.63
Peer Avg: $213.89
#3 of 34 Top 5.9% in 5B-7B tier
4
Loan-to-Share Ratio
balance_sheet
Value: 97.59%
Peer Avg: 83.64%
#4 of 34 Top 8.8% in 5B-7B tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 20.86%
Peer Avg: 37.88%
#4 of 34 Top 8.8% in 5B-7B tier
8
Return on Assets (ROA)
profitability
Value: 1.05%
Peer Avg: 0.80%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (7 metrics)

34
Net Charge-Off Rate
risk
Value: 1.45%
Peer Avg: 0.57%
#34 of 34 Bottom 2.9% in 5B-7B tier
33
Member Growth Rate
growth
Value: -2.87%
Peer Avg: 3.26%
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Deposit Growth Rate
growth
Value: 1.00%
Peer Avg: 8.13%
#33 of 34 Bottom 5.9% in 5B-7B tier
30
Asset Growth Rate
growth
Value: -0.25%
Peer Avg: 6.10%
#30 of 34 Bottom 14.7% in 5B-7B tier
27
Total Delinquency Rate (60+ days)
risk
Value: 0.85%
Peer Avg: 0.62%
#27 of 34 Bottom 23.5% in 5B-7B tier
27
Net Worth Ratio
risk
Value: 9.56%
Peer Avg: 10.96%
#27 of 34 Bottom 23.5% in 5B-7B tier
27
Members Per Employee (MPE)
engagement
Value: 347.426
Peer Avg: 430.688
#27 of 34 Bottom 23.5% in 5B-7B tier