BlastPoint's Credit Union Scorecard
TRULIANT
Charter #7840 · NC
TRULIANT has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 1.02% above tier average
- + Fee Income Per Member: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.2% in tier
- - Credit Quality Pressure: Bottom 53.1% in tier
- - Credit Risk Growth: Bottom 54.7% in tier
- - Stagnation Risk: Bottom 89.1% in tier
- - Membership Headwinds: Bottom 89.1% in tier
- - Delinquency rate 0.12% above tier average
- - Net Charge-Off Rate: Bottom 2.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
333,731
-1.1% YoY-0.1% QoQ
|
+25.9K |
307,793
+7.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$5.5B
+5.5% YoY+1.0% QoQ
|
$-319.4M |
$5.8B
-0.2% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$4.4B
+4.2% YoY+0.8% QoQ
|
+$286.6M |
$4.2B
+0.4% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$4.7B
+2.3% YoY+1.0% QoQ
|
$-146.3M |
$4.9B
+0.2% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.5%
+86.2% YoY-11.6% QoQ
|
+0.7% |
0.9%
+47.0% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Top 13.5% in tier |
| NIM |
4.2%
+2.8% YoY-1.4% QoQ
|
+1.0% |
3.2%
+9.8% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
56.6%
-11.2% YoY-1.9% QoQ
|
-9.9% |
66.6%
-11.0% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
0.8%
+1.8% YoY-13.8% QoQ
|
+0.1 |
0.7%
+23.3% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
68% |
| Loan To Share |
93.5%
+1.9% YoY-0.2% QoQ
|
+8.8% |
84.7%
-0.7% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$27,539
+4.4% YoY+1.0% QoQ
|
$-5K |
$32,237
-7.3% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
27% |
| CD Concentration |
36.2%
-4.1% YoY-1.1% QoQ
|
+7.6% | 28.6% | 21.2% | 19.8% | 77% |
| Indirect Auto % |
13.1%
-23.9% YoY-4.6% QoQ
|
-3.3% | 16.4% | 4.9% | 7.7% | 42% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)