BlastPoint's Credit Union Scorecard

CENTRIC

Charter #1982 · LA

1077 CUs in 100M-500M nationally 22 in LA

CENTRIC has 7 strengths but faces 13 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 10.6% in tier
+ Fee Income Per Member: Top 1.9% in tier
+ Total Members: Top 2.6% in tier
+ AMR Growth Rate: Top 3.8% in tier
+ Total Loans: Top 3.8% in tier
+ Total Assets: Top 8.0% in tier
+ Total Deposits: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 5.2% in tier
- Indirect Auto Dependency: Bottom 5.8% in tier
- Stagnation Risk: Bottom 17.2% in tier
- Credit Risk Growth: Bottom 26.8% in tier
- Credit Quality Pressure: Bottom 29.7% in tier
- Liquidity Strain: Bottom 29.7% in tier
- ROA 0.40% below tier average
- Efficiency ratio 1.14% above tier (higher cost structure)
- Delinquency rate 0.48% above tier average
- Member decline: -6.0% YoY
- Net Charge-Off Rate: Bottom 1.0% in tier
- Member Growth Rate: Bottom 7.1% in tier
- Share Certificate Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	36,957 -6.0% YoY+0.3% QoQ	+21.3K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	Top 2.7% in tier
Assets	$416.7M +8.1% YoY-0.9% QoQ	+$185.4M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	Top 8.1% in tier
Loans	$322.8M +5.7% YoY+1.0% QoQ	+$175.0M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	Top 3.9% in tier
Deposits	$358.1M +8.8% YoY-0.9% QoQ	+$157.8M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	Top 8.7% 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	0.4% -46.3% YoY+6.7% QoQ	-0.4%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	24%
NIM	3.5% -1.1% YoY+2.7% QoQ	-0.1%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	43%
Efficiency Ratio	78.4% +2.8% YoY+0.1% QoQ	+1.1%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	55%
Delinquency Rate	1.3% +0.1% YoY-30.1% QoQ	+0.5	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	82%
Loan To Share	90.2% -2.8% YoY+1.9% QoQ	+17.5%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	85%
AMR	$18,424 +14.2% YoY-0.3% QoQ	$-6K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	26%
CD Concentration	38.8% +2.1% YoY+0.8% QoQ	+14.4%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	22.2% +26.3% YoY+7.5% QoQ	+8.2%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#52 of 481 • Top 10.6% in tier

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

Why This Signature

AMR Growth (YoY): 14.20%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY

Concerns (6)

Membership Headwinds

decline

#86 of 550 • Bottom 5.2% in tier

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

Why This Signature

Member Growth (YoY): -6.04%

(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 improving

Indirect Auto Dependency

risk

#95 of 525 • Bottom 5.8% in tier

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

Why This Signature

Asset Growth (YoY): 8.12%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 22.21%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -6.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Stagnation Risk

risk

#284 of 550 • Bottom 17.2% 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): -6.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 5.74%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 1.34%

(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

Credit Risk Growth

risk

#403 of 446 • Bottom 26.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.74%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#735 of 736 • Bottom 29.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk

#231 of 258 • Bottom 29.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.16%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.74%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 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 (9 metrics)

Fee Income Per Member

profitability

Value: $383.28

Peer Avg: -

#21 of 1077 Top 1.9% in 100M-500M tier

Total Members

engagement

Value: 36,957

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.20%

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

Total Loans

balance_sheet

Value: $322.82M

Peer Avg: -

#42 of 1077 Top 3.8% in 100M-500M tier

Total Assets

balance_sheet

Value: $416.71M

Peer Avg: -

#87 of 1077 Top 8.0% in 100M-500M tier

Total Deposits

balance_sheet

Value: $358.07M

Peer Avg: -

#94 of 1077 Top 8.6% in 100M-500M tier

166

Loan-to-Share Ratio

balance_sheet

Value: 90.16%

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

179

Deposit Growth Rate

growth

Value: 8.75%

Peer Avg: -

#179 of 1077 Top 16.5% in 100M-500M tier

205

Asset Growth Rate

growth

Value: 8.12%

Peer Avg: -

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

Top Weaknesses (6 metrics)

1067

Net Charge-Off Rate

risk

Value: 2.13%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1002

Member Growth Rate

growth

Value: -6.04%

Peer Avg: -

#1002 of 1077 Bottom 7.1% in 100M-500M tier

975

Share Certificate Concentration (%)

balance_sheet

Value: 38.82%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

885

Total Delinquency Rate (60+ days)

risk

Value: 1.34%

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

818

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier

810

Indirect Auto Concentration (%)

balance_sheet

Value: 22.21%

Peer Avg: -

#810 of 1077 Bottom 24.9% in 100M-500M tier