BlastPoint's Credit Union Scorecard

TRI BORO

Charter #794 · PA

1077 CUs in 100M-500M nationally 61 in PA

TRI BORO has 4 strengths but faces 9 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 41.7% in tier
+ Credit Quality Leader: Top 64.6% in tier
+ ROA 0.04% above tier average
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 2.5% in tier
- Membership Headwinds: Bottom 7.0% in tier
- Indirect Auto Dependency: Bottom 22.3% in tier
- Efficiency Drag: Bottom 27.2% in tier
- Margin Compression: Bottom 29.4% in tier
- Efficiency ratio 3.37% above tier (higher cost structure)
- Member decline: -5.0% YoY
- First Mortgage Concentration (%): Bottom 5.3% in tier
- Member Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	7,625 -5.0% YoY-1.0% QoQ	-8.0K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Bottom 13.6% in tier
Assets	$126.7M +3.2% YoY+0.7% QoQ	$-104.6M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	18%
Loans	$86.9M +2.4% YoY+1.7% QoQ	$-60.9M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	26%
Deposits	$108.3M +2.7% YoY+0.6% QoQ	$-92.0M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -19.3% YoY+7.6% QoQ	+0.0%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	55%
NIM	3.8% +0.7% YoY+0.1% QoQ	+0.3%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	65%
Efficiency Ratio	80.6% +6.1% YoY-1.0% QoQ	+3.4%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	63%
Delinquency Rate	0.3% -62.7% YoY-62.9% QoQ	-0.6	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	17%
Loan To Share	80.2% -0.2% YoY+1.1% QoQ	+7.5%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	64%
AMR	$25,592 +8.0% YoY+2.1% QoQ	+$1K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	67%
CD Concentration	31.8% +16.4% YoY+8.4% QoQ	+7.4%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	18.8% -15.8% YoY-7.5% QoQ	+4.8%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#201 of 481 • Top 41.7% in tier

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

Why This Signature

AMR Growth (YoY): 8.03%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Credit Quality Leader

growth

#220 of 340 • Top 64.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.28%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.47% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#43 of 550 • Bottom 2.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.45%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.28%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#116 of 550 • Bottom 7.0% in tier

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

Why This Signature

Member Growth (YoY): -5.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#359 of 525 • Bottom 22.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.19%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 18.76%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Efficiency Drag

risk

#480 of 521 • Bottom 27.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.65%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -5.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Margin Compression

decline

#124 of 136 • Bottom 29.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.83%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.03%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 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 1077 peers in tier

Top Strengths (4 metrics)

157

AMR Growth Rate

growth

Value: 8.03%

Peer Avg: -

#157 of 1077 Top 14.5% in 100M-500M tier

186

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Avg: -

#186 of 1077 Top 17.2% in 100M-500M tier

202

Net Worth Ratio

risk

Value: 14.37%

Peer Avg: -

#202 of 1077 Top 18.7% in 100M-500M tier

211

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#211 of 1077 Top 19.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1021

First Mortgage Concentration (%)

balance_sheet

Value: 62.10%

Peer Avg: -

#1021 of 1077 Bottom 5.3% in 100M-500M tier

975

Member Growth Rate

growth

Value: -5.04%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

943

Fee Income Per Member

profitability

Value: $93.59

Peer Avg: -

#943 of 1077 Bottom 12.5% in 100M-500M tier

930

Total Members

engagement

Value: 7,625

Peer Avg: -

#930 of 1077 Bottom 13.7% in 100M-500M tier

893

Total Deposits

balance_sheet

Value: $108.28M

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier

879

Total Assets

balance_sheet

Value: $126.72M

Peer Avg: -

#879 of 1077 Bottom 18.5% in 100M-500M tier

866

Members Per Employee (MPE)

engagement

Value: 254.167

Peer Avg: -

#866 of 1077 Bottom 19.7% in 100M-500M tier

830

Share Certificate Concentration (%)

balance_sheet

Value: 31.77%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier