BlastPoint's Credit Union Scorecard
TRULIANT
Charter #7840 · NC
TRULIANT has 4 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 57.9% in tier
- + ROA 0.90% above tier average
- + Net Interest Margin 1.20% above tier average
- + Fee Income Per Member: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 68.8% in tier
- - Membership Headwinds: Bottom 75.0% in tier
- - Stagnation Risk: Bottom 87.5% in tier
- - Delinquency rate 0.17% above tier average
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Member Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
334,169
-1.9% YoY-0.1% QoQ
|
+41.8K |
292,342
-2.4% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
71% |
| Assets |
$5.4B
+3.5% YoY+3.6% QoQ
|
$-349.7M |
$5.7B
-0.2% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$4.4B
+4.3% YoY-0.1% QoQ
|
+$241.0M |
$4.2B
-1.6% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$4.7B
+4.0% YoY+4.1% QoQ
|
$-142.9M |
$4.8B
+0.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
1.7%
+287.8% YoY+63.1% QoQ
|
+0.9% |
0.8%
+27.9% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Top 2.9% in tier |
| NIM |
4.2%
+5.7% YoY-1.0% QoQ
|
+1.2% |
3.0%
+8.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
57.7%
-10.4% YoY-10.0% QoQ
|
-9.6% |
67.3%
-3.7% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.0%
-5.1% YoY+12.2% QoQ
|
+0.2 |
0.8%
+17.5% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
93.7%
+0.2% YoY-4.0% QoQ
|
+7.8% |
85.9%
-2.6% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$27,264
+6.2% YoY+2.1% QoQ
|
$-7K |
$34,289
+3.5% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
36.6%
-5.2% YoY+2.7% QoQ
|
+7.5% | 29.1% | 21.7% | 19.8% | 78% |
| Indirect Auto % |
13.7%
-25.4% YoY-5.0% QoQ
|
-3.4% | 17.1% | 5.1% | 7.8% | 43% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)