BlastPoint's Credit Union Scorecard
TRAILNORTH
Charter #9219 · NY
TRAILNORTH has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + First Mortgage Concentration (%): Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 4.60% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,967
+0.1% YoY-0.9% QoQ
|
-4.5K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$176.4M
+5.9% YoY+0.5% QoQ
|
$-55.4M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$90.9M
-3.8% YoY-1.0% QoQ
|
$-56.4M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$158.9M
+6.0% YoY+0.5% QoQ
|
$-41.9M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.8%
+119.3% YoY-0.7% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
4.0%
+4.5% YoY+0.3% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
81.6%
-4.8% YoY-1.5% QoQ
|
+4.6% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
1.2%
+48.3% YoY+63.6% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
57.2%
-9.3% YoY-1.5% QoQ
|
-15.0% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$22,781
+2.2% YoY+0.8% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
15.1%
+19.0% YoY+4.5% QoQ
|
-9.3% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
10.9%
+0.4% YoY+0.4% QoQ
|
-2.9% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)