BlastPoint's Credit Union Scorecard
CIVIC
Charter #24003 · NC
CIVIC has 4 strengths but faces 23 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 5.3% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
- + Total Members: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 0.0% in tier
- - Institutional Decline: Bottom 0.0% in tier
- - Stagnation Risk: Bottom 0.0% in tier
- - Membership Headwinds: Bottom 6.0% in tier
- - Shrinking Wallet Share: Bottom 7.7% in tier
- - Liquidity Strain: Bottom 40.6% in tier
- - Efficiency Drag: Bottom 70.8% in tier
- - ROA 4.33% below tier average
- - Efficiency ratio 65.42% above tier (higher cost structure)
- - Delinquency rate 6.75% above tier average
- - Member decline: -12.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Net Worth Ratio: Bottom 1.3% in tier
- - Asset Growth Rate: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 2.6% in tier
- - Deposit Growth Rate: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 5.3% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - First Mortgage Concentration (%): Bottom 9.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
355,581
-12.8% YoY-2.9% QoQ
|
+125.2K |
230,353
-2.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 7.9% in tier |
| Assets |
$3.3B
-17.5% YoY-5.4% QoQ
|
$-616.2M |
$3.9B
+0.3% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$3.0B
-16.6% YoY-4.4% QoQ
|
+$19.1M |
$2.9B
-0.2% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$2.8B
-23.7% YoY-2.5% QoQ
|
$-547.3M |
$3.3B
-0.3% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-3.6%
+9318.8% YoY+29.2% QoQ
|
-4.3% |
0.7%
+16.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
3.0%
-7.8% YoY-2.3% QoQ
|
-0.2% |
3.1%
+9.8% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
136.8%
+58.7% YoY-1.6% QoQ
|
+65.4% |
71.4%
-1.4% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
Top 1.3% in tier |
| Delinquency Rate |
7.6%
+94.8% YoY+11.6% QoQ
|
+6.7 |
0.9%
+5.8% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Top 1.3% in tier |
| Loan To Share |
106.9%
+9.3% YoY-1.9% QoQ
|
+18.0% |
88.9%
-0.2% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$16,080
-8.4% YoY-0.6% QoQ
|
$-14K |
$29,682
+1.5% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.9% in tier |
| CD Concentration |
41.1%
+17.9% YoY+1.8% QoQ
|
+12.0% | 29.0% | 21.7% | 19.8% | Top 9.8% in tier |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 5.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
Concerns (8)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)