BlastPoint's Credit Union Scorecard

CENTRIC

Charter #1982 · LA

100M-500M
1070 CUs in 100M-500M nationally 21 in LA

CENTRIC has 7 strengths but faces 6 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 50.0% in tier
  • + Total Members: Top 1.8% in tier
  • + Fee Income Per Member: Top 2.1% in tier
  • + Total Loans: Top 2.1% in tier
  • + Total Assets: Top 4.3% in tier
  • + Total Deposits: Top 4.6% in tier
  • + Asset Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.28% below tier average
  • - Efficiency ratio 3.63% above tier (higher cost structure)
  • - Delinquency rate 0.41% above tier average
  • - Share Certificate Concentration (%): Bottom 7.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 37,756
+3.8% YoY+2.0% QoQ
 +22.6K 15,145
-2.5% YoY
 9,512
+2.6% YoY
 33,913
+5.7% YoY
 Top 1.9% in tier
Assets $453.9M
+10.0% YoY+8.0% QoQ
 +$222.2M $231.7M
+0.8% YoY
 $128.1M
+5.9% YoY
 $578.3M
+9.0% YoY
 Top 4.4% in tier
Loans $341.2M
+10.4% YoY+3.9% QoQ
 +$197.1M $144.1M
+0.2% YoY
 $89.6M
+5.7% YoY
 $402.4M
+8.7% YoY
 Top 2.1% in tier
Deposits $388.6M
+9.7% YoY+7.9% QoQ
 +$187.4M $201.1M
+0.4% YoY
 $109.6M
+6.0% YoY
 $494.3M
+9.1% YoY
 Top 4.7% 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 0.5%
+80.1% YoY-26.9% QoQ
 -0.3% 0.7%
+5.1% YoY
 0.1%
-79.1% YoY
 0.4%
-39.2% YoY
 33%
NIM 3.5%
+1.9% YoY-1.0% QoQ
 -0.1% 3.6%
+4.6% YoY
 4.2%
-0.4% YoY
 3.8%
+4.1% YoY
 42%
Efficiency Ratio 81.7%
-3.1% YoY+5.0% QoQ
 +3.6% 78.0%
-1.7% YoY
 88.0%
+2.9% YoY
 84.6%
+2.8% YoY
 61%
Delinquency Rate 1.2%
-24.6% YoY-19.2% QoQ
 +0.4 0.8%
+7.1% YoY
 1.7%
-21.7% YoY
 1.2%
+3.4% YoY
 83%
Loan To Share 87.8%
+0.7% YoY-3.8% QoQ
 +17.4% 70.4%
-0.4% YoY
 68.2%
-2.4% YoY
 65.6%
-1.4% YoY
 Top 14.9% in tier
AMR $19,329
+6.0% YoY+3.9% QoQ
 $-6K $24,918
+2.7% YoY
 $13,483
+2.5% YoY
 $19,920
+1.6% YoY
 28%
CD Concentration 40.6%
+8.1% YoY+1.4% QoQ
 +16.3% 24.3% 14.9% 19.8% 50%
Indirect Auto % 24.4%
+25.4% YoY+3.9% QoQ
 +10.6% 13.8% 5.1% 7.7% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#380 of 491 • Top 50.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.98%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#190 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 10.03%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 24.43%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 3.81%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk
#508 of 596 • Bottom 50.0% in tier

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

Why This Signature
Efficiency Ratio: 81.66%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 3.81%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

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 1070 peers in tier

Top Strengths (10 metrics)

20
Total Members
engagement
Value: 37,756
Peer Median: 13,200
#20 of 1070 Top 1.8% in 100M-500M tier
23
Fee Income Per Member
profitability
Value: $364.42
Peer Median: $154.95
#23 of 1070 Top 2.1% in 100M-500M tier
23
Total Loans
balance_sheet
Value: $341.23M
Peer Median: $121.41M
#23 of 1070 Top 2.1% in 100M-500M tier
47
Total Assets
balance_sheet
Value: $453.89M
Peer Median: $196.57M
#47 of 1070 Top 4.3% in 100M-500M tier
50
Total Deposits
balance_sheet
Value: $388.55M
Peer Median: $171.29M
#50 of 1070 Top 4.6% in 100M-500M tier
105
Asset Growth Rate
growth
Value: 10.03%
Peer Median: 3.91%
#105 of 1070 Top 9.7% in 100M-500M tier
114
Deposit Growth Rate
growth
Value: 9.66%
Peer Median: 3.30%
#114 of 1070 Top 10.6% in 100M-500M tier
159
Loan-to-Share Ratio
balance_sheet
Value: 87.82%
Peer Median: 71.88%
#159 of 1070 Top 14.8% in 100M-500M tier
164
Loan Growth Rate
growth
Value: 10.43%
Peer Median: 2.93%
#164 of 1070 Top 15.2% in 100M-500M tier
165
Member Growth Rate
growth
Value: 3.81%
Peer Median: -0.06%
#165 of 1070 Top 15.3% in 100M-500M tier

Top Weaknesses (4 metrics)

993
Share Certificate Concentration (%)
balance_sheet
Value: 40.56%
Peer Median: 23.10%
#993 of 1070 Bottom 7.3% in 100M-500M tier
954
Net Charge-Off Rate
risk
Value: 1.05%
Peer Median: 0.35%
#954 of 1070 Bottom 10.9% in 100M-500M tier
887
Total Delinquency Rate (60+ days)
risk
Value: 1.18%
Peer Median: 0.61%
#887 of 1070 Bottom 17.2% in 100M-500M tier
839
Indirect Auto Concentration (%)
balance_sheet
Value: 24.43%
Peer Median: 6.61%
#839 of 1070 Bottom 21.7% in 100M-500M tier
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