BlastPoint's Credit Union Scorecard

TRUPARTNER

Charter #95802 · OH

1077 CUs in 100M-500M nationally 58 in OH

TRUPARTNER has 1 strength but faces 10 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.02% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 10.3% in tier
- Institutional Decline: Bottom 10.3% in tier
- Efficiency Drag: Bottom 13.4% in tier
- Credit Quality Pressure: Bottom 17.3% in tier
- Stagnation Risk: Bottom 30.5% in tier
- ROA 0.99% below tier average
- Efficiency ratio 15.76% above tier (higher cost structure)
- Delinquency rate 0.85% above tier average
- Member decline: -3.9% YoY
- Loan Growth Rate: Bottom 5.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	14,240 -3.9% YoY-1.1% QoQ	-1.4K	15,628 -3.4% YoY	16,553 +5.8% YoY	33,089 +6.1% YoY	54%
Assets	$162.1M +1.4% YoY-0.8% QoQ	$-69.2M	$231.3M -0.0% YoY	$245.2M +8.8% YoY	$547.7M +7.8% YoY	36%
Loans	$80.1M -8.5% YoY-1.4% QoQ	$-67.7M	$147.8M -1.4% YoY	$170.6M +8.7% YoY	$388.7M +8.6% YoY	22%
Deposits	$143.7M +1.7% YoY-1.0% QoQ	$-56.6M	$200.3M -0.0% YoY	$209.1M +9.7% YoY	$464.6M +9.3% YoY	38%

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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	-0.2% -305.5% YoY+59.9% QoQ	-1.0%	0.8% +15.5% YoY	0.5% -7.3% YoY	0.7% +273.4% YoY	Bottom 4.3% in tier
NIM	3.6% -7.0% YoY+2.1% QoQ	+0.0%	3.6% +6.9% YoY	3.7% +3.3% YoY	3.7% +5.0% YoY	51%
Efficiency Ratio	93.0% +10.6% YoY+0.6% QoQ	+15.8%	77.3% -3.0% YoY	83.9% +3.6% YoY	79.1% -3.3% YoY	Top 6.4% in tier
Delinquency Rate	1.7% +8.9% YoY-5.2% QoQ	+0.9	0.9% +7.6% YoY	1.5% +29.9% YoY	1.2% -0.9% YoY	Top 10.5% in tier
Loan To Share	55.7% -10.0% YoY-0.4% QoQ	-17.0%	72.7% -1.5% YoY	63.8% -2.4% YoY	68.0% -1.7% YoY	16%
AMR	$15,713 +1.9% YoY-0.1% QoQ	$-9K	$24,363 +2.9% YoY	$17,099 +5.9% YoY	$19,418 +1.3% YoY	Bottom 12.6% in tier
CD Concentration	12.5% +24.1% YoY+2.4% QoQ	-11.9%	24.4% +4.2% YoY	19.2% +8.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	8.2% -39.3% YoY-12.9% QoQ	-5.7%	14.0% -5.7% YoY	11.2% -0.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Membership Headwinds

decline

#170 of 550 • Bottom 10.3% in tier

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

Why This Signature

Member Growth (YoY): -3.94%

(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 worsening

Institutional Decline

decline

#82 of 256 • Bottom 10.3% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $162.15M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -3.94%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -8.46%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Efficiency Drag

risk

#238 of 521 • Bottom 13.4% in tier

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

Why This Signature

Efficiency Ratio: 93.04%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.31% points

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

worse than tier avg

Member Growth (YoY): -3.94%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#428 of 736 • Bottom 17.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.14% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#502 of 550 • Bottom 30.5% 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): -3.94%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -8.46%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.71%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

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

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 (2 metrics)

174

Share Certificate Concentration (%)

balance_sheet

Value: 12.54%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

205

First Mortgage Concentration (%)

balance_sheet

Value: 14.25%

Peer Avg: -

#205 of 1077 Top 18.9% in 100M-500M tier

Top Weaknesses (10 metrics)

1031

Return on Assets (ROA)

profitability

Value: -0.21%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

1022

Loan Growth Rate

growth

Value: -8.46%

Peer Avg: -

#1022 of 1077 Bottom 5.2% in 100M-500M tier

1009

Efficiency Ratio

profitability

Value: 93.04%

Peer Avg: -

#1009 of 1077 Bottom 6.4% in 100M-500M tier

968

Loan-to-Member Ratio (LMR)

engagement

Value: $5,623

Peer Avg: -

#968 of 1077 Bottom 10.2% in 100M-500M tier

965

Total Delinquency Rate (60+ days)

risk

Value: 1.71%

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

941

Average Member Relationship (AMR)

engagement

Value: $15,713

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

934

Net Charge-Off Rate

risk

Value: 0.86%

Peer Avg: -

#934 of 1077 Bottom 13.4% in 100M-500M tier

933

Member Growth Rate

growth

Value: -3.94%

Peer Avg: -

#933 of 1077 Bottom 13.5% in 100M-500M tier

905

Loan-to-Share Ratio

balance_sheet

Value: 55.73%

Peer Avg: -

#905 of 1077 Bottom 16.1% in 100M-500M tier

839

Total Loans

balance_sheet

Value: $80.08M

Peer Avg: -

#839 of 1077 Bottom 22.2% in 100M-500M tier