BlastPoint's Credit Union Scorecard
CENTRIC
Charter #1982 · LA
CENTRIC has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.8% in tier
- + Total Members: Top 1.8% in tier
- + Total Loans: Top 1.9% in tier
- + Total Assets: Top 5.1% in tier
- + Total Deposits: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 3.01% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Share Certificate Concentration (%): Bottom 7.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Louisiana.
- Shares and deposits +6.6% year over year ($385M in shares and deposits).
- Membership: 38,281 members, +3.9% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 0.57%.
- Efficiency ratio 79.74% vs a 76.73% peer average.
- Loan-to-share ratio 90.77% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
38,281
+3.9% YoY+1.4% QoQ
|
+23.1K |
15,168
-2.6% YoY
|
9,550
+2.7% YoY
|
34,678
+6.6% YoY
|
Top 1.9% in tier |
| Assets |
$447.5M
+6.4% YoY-1.4% QoQ
|
+$215.5M |
$232.0M
+0.7% YoY
|
$130.2M
+7.1% YoY
|
$593.1M
+10.2% YoY
|
Top 5.2% in tier |
| Loans |
$349.6M
+9.4% YoY+2.4% QoQ
|
+$203.3M |
$146.3M
+0.2% YoY
|
$92.6M
+7.3% YoY
|
$418.6M
+10.1% YoY
|
Top 2.0% in tier |
| Deposits |
$385.1M
+6.6% YoY-0.9% QoQ
|
+$184.4M |
$200.7M
+0.2% YoY
|
$111.6M
+7.6% YoY
|
$504.8M
+10.3% YoY
|
Top 5.5% in tier |
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| ROA |
0.6%
+58.4% YoY+26.5% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.1%
+258.0% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
3.6%
+7.3% YoY+3.9% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
4.2%
-0.2% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
79.7%
+1.8% YoY-2.3% QoQ
|
+3.0% |
76.7%
-0.8% YoY
|
89.3%
+0.7% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
1.4%
-28.0% YoY+16.9% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
2.0%
+21.9% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
90.8%
+2.6% YoY+3.4% QoQ
|
+19.2% |
71.5%
-0.3% YoY
|
68.1%
-2.7% YoY
|
66.4%
-1.4% YoY
|
Top 13.4% in tier |
| AMR |
$19,191
+3.8% YoY-0.7% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$13,536
+2.7% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
40.7%
+5.6% YoY+0.3% QoQ
|
+16.1% | 24.6% | 15.1% | 20.0% | 50% |
| Indirect Auto % |
24.5%
+18.4% YoY+0.1% QoQ
|
+10.8% | 13.6% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)