BlastPoint's Credit Union Scorecard
TRI BORO
Charter #794 · PA
TRI BORO has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency ratio 2.85% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,826
-1.1% YoY+2.6% QoQ
|
-7.6K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$127.8M
+3.1% YoY+0.9% QoQ
|
$-104.0M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$87.4M
+2.7% YoY+0.6% QoQ
|
$-60.0M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$109.0M
+2.6% YoY+0.7% QoQ
|
$-91.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.9%
-18.3% YoY+2.8% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.8%
+0.3% YoY-0.2% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
79.9%
+5.9% YoY-1.0% QoQ
|
+2.9% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.5%
-19.9% YoY+83.0% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
80.1%
+0.1% YoY-0.1% QoQ
|
+7.9% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$25,099
+3.7% YoY-1.9% QoQ
|
+$423 |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
33.8%
+23.5% YoY+6.4% QoQ
|
+9.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
17.6%
-18.3% YoY-6.0% QoQ
|
+3.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)