BlastPoint's Credit Union Scorecard

CENTRIC

Charter #1982 · LA

1069 CUs in 100M-500M nationally 21 in LA

CENTRIC has 6 strengths but faces 10 concerns

National Analysis

How does the industry compare?
LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 33.0% in tier
  • + Fee Income Per Member: Top 1.6% in tier
  • + Total Members: Top 2.4% in tier
  • + Total Loans: Top 3.0% in tier
  • + Total Assets: Top 7.8% in tier
  • + Total Deposits: Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 37.2% in tier
  • - Membership Headwinds: Bottom 62.4% in tier
  • - Stagnation Risk: Bottom 67.1% in tier
  • - Liquidity Strain: Bottom 78.4% in tier
  • - Cost Spiral: Bottom 86.7% in tier
  • - ROA 0.14% below tier average
  • - Efficiency ratio 0.73% above tier (higher cost structure)
  • - Delinquency rate 0.57% above tier average
  • - Net Charge-Off Rate: Bottom 2.6% in tier
  • - Share Certificate Concentration (%): Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 36,999
-2.0% YoY+0.1% QoQ
 +21.6K 15,437
-2.9% YoY
 9,309
+1.0% YoY
 33,374
+5.7% YoY
 Top 2.5% in tier
Assets $420.3M
+6.6% YoY+0.9% QoQ
 +$188.4M $231.9M
+1.3% YoY
 $122.7M
+4.8% YoY
 $561.6M
+9.7% YoY
 Top 7.9% in tier
Loans $328.5M
+7.0% YoY+1.8% QoQ
 +$181.2M $147.3M
-0.1% YoY
 $87.2M
+3.5% YoY
 $397.0M
+8.8% YoY
 Top 3.1% in tier
Deposits $360.0M
+7.2% YoY+0.5% QoQ
 +$159.1M $200.8M
+0.8% YoY
 $104.9M
+5.6% YoY
 $477.3M
+9.7% YoY
 Top 8.8% in tier

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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 0.6%
-15.8% YoY+60.5% QoQ
 -0.1% 0.8%
+18.2% YoY
 0.3%
+12.6% YoY
 0.7%
+15.9% YoY
 40%
NIM 3.5%
+1.4% YoY+1.6% QoQ
 -0.1% 3.6%
+6.7% YoY
 4.2%
+2.9% YoY
 3.8%
+5.1% YoY
 46%
Efficiency Ratio 77.7%
+7.1% YoY-0.9% QoQ
 +0.7% 77.0%
-3.1% YoY
 85.6%
-13.2% YoY
 79.7%
-3.3% YoY
 53%
Delinquency Rate 1.5%
-15.6% YoY+9.1% QoQ
 +0.6 0.9%
+4.2% YoY
 1.9%
-8.2% YoY
 1.3%
-2.1% YoY
 Top 14.7% in tier
Loan To Share 91.3%
-0.1% YoY+1.2% QoQ
 +19.0% 72.2%
-1.1% YoY
 71.2%
-2.0% YoY
 67.4%
-1.7% YoY
 Top 12.0% in tier
AMR $18,608
+9.3% YoY+1.0% QoQ
 $-6K $24,676
+3.4% YoY
 $13,375
+3.1% YoY
 $19,687
+2.0% YoY
 25%
CD Concentration 40.0%
+4.9% YoY+3.0% QoQ
 +15.6% 24.4% 15.2% 19.8% 50%
Indirect Auto % 23.5%
+30.1% YoY+5.9% QoQ
 +9.7% 13.8% 5.0% 7.8% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#170 of 513 • Top 33.0% in tier

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

Why This Signature
AMR Growth (YoY): 9.27%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Indirect Auto Dependency

risk
#189 of 506 • Bottom 37.2% in tier

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

Why This Signature
Asset Growth (YoY): 6.63%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 23.52%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): -1.98%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank improving

Membership Headwinds

decline
#346 of 554 • Bottom 62.4% in tier

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

Why This Signature
Member Growth (YoY): -1.98%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk
#372 of 554 • Bottom 67.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -1.98%
(Tier: 0.69%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 7.04%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Rate: 1.47%
(Tier: 0.89%, National: 1.28%)
worse than tier avg
554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally
→ No prior data (554 CUs now) | New qualifier

Liquidity Strain

risk
#179 of 228 • Bottom 78.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.27%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 7.04%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank improving

Cost Spiral

risk
#40 of 46 • Bottom 86.7% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 5.19% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 54.44%
(Tier: 60.04%, National: 63.66%)
but better than tier avg
46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally
↓ Shrinking -30 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)

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

18
Fee Income Per Member
profitability
Value: $390.10
Peer Median: -
#18 of 1069 Top 1.6% in 100M-500M tier
27
Total Members
engagement
Value: 36,999
Peer Median: -
#27 of 1069 Top 2.4% in 100M-500M tier
33
Total Loans
balance_sheet
Value: $328.53M
Peer Median: -
#33 of 1069 Top 3.0% in 100M-500M tier
84
Total Assets
balance_sheet
Value: $420.29M
Peer Median: -
#84 of 1069 Top 7.8% in 100M-500M tier
94
Total Deposits
balance_sheet
Value: $359.95M
Peer Median: -
#94 of 1069 Top 8.7% in 100M-500M tier
128
Loan-to-Share Ratio
balance_sheet
Value: 91.27%
Peer Median: -
#128 of 1069 Top 11.9% in 100M-500M tier
135
AMR Growth Rate
growth
Value: 9.27%
Peer Median: -
#135 of 1069 Top 12.5% in 100M-500M tier

Top Weaknesses (4 metrics)

1042
Net Charge-Off Rate
risk
Value: 1.74%
Peer Median: -
#1042 of 1069 Bottom 2.6% in 100M-500M tier
984
Share Certificate Concentration (%)
balance_sheet
Value: 40.00%
Peer Median: -
#984 of 1069 Bottom 8.0% in 100M-500M tier
913
Total Delinquency Rate (60+ days)
risk
Value: 1.47%
Peer Median: -
#913 of 1069 Bottom 14.7% in 100M-500M tier
829
Indirect Auto Concentration (%)
balance_sheet
Value: 23.52%
Peer Median: -
#829 of 1069 Bottom 22.5% in 100M-500M tier
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