BlastPoint's Credit Union Scorecard
TRI BORO
Charter #794 · PA
TRI BORO has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency ratio 0.35% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 4.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,748
-0.6% YoY-1.0% QoQ
|
-7.4K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$130.6M
+4.5% YoY+2.2% QoQ
|
$-101.1M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$86.4M
+3.8% YoY-1.1% QoQ
|
$-57.7M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$111.3M
+4.0% YoY+2.0% QoQ
|
$-89.9M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.9%
+3.3% YoY-0.2% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.7%
-3.8% YoY-4.1% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
78.4%
-5.3% YoY-1.9% QoQ
|
+0.4% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
0.4%
-22.3% YoY-25.4% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
29% |
| Loan To Share |
77.7%
-0.2% YoY-3.0% QoQ
|
+7.3% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$25,517
+4.5% YoY+1.7% QoQ
|
+$598 |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
32.7%
+17.7% YoY-3.2% QoQ
|
+8.5% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
17.6%
-17.7% YoY-0.2% QoQ
|
+3.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)