BlastPoint's Credit Union Scorecard
TRULIANT
Charter #7840 · NC
TRULIANT has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 94.1% 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
|
68% |
| 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
|
24% |
| 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
|
56% |
| 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
|
32% |
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| 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
|
76% |
| 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
|
32% |
| 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
|
76% |
| 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
|
24% |
| 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
|
73% |
| 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
|
45% |
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 declining year-over-year. Shrinking 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)