BlastPoint's Credit Union Scorecard
CIVIC
Charter #24003 · NC
CIVIC has 4 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does NC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.08% above tier average
- + Total Members: Top 3.9% in tier
- + Members Per Employee (MPE): Top 5.2% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.3% in tier
- - Credit Quality Pressure: Bottom 0.8% in tier
- - Liquidity Strain: Bottom 4.0% in tier
- - Institutional Decline: Bottom 19.7% in tier
- - Shrinking Wallet Share: Bottom 93.0% in tier
- - Accelerating Exit Risk: Bottom 98.4% in tier
- - Stagnation Risk: Bottom 98.4% in tier
- - Membership Headwinds: Bottom 98.4% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in North Carolina.
- Shares and deposits -14.6% year over year ($2.56B in shares and deposits).
- Membership: 336,107 members, -11.8% vs a year ago.
- Delinquency rate 6.27%.
- Return on assets 3.01%.
- Efficiency ratio 120.48% vs a 69.45% peer average.
- Loan-to-share ratio 106.88% vs a 90.24% 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 (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
336,107
-11.8% YoY-3.9% QoQ
|
+119.6K |
216,545
-9.5% YoY
|
91,933
+2.2% YoY
|
34,678
+6.6% YoY
|
Top 5.2% in tier |
| Assets |
$3.1B
-16.2% YoY-3.7% QoQ
|
$-831.1M |
$3.9B
-1.6% YoY
|
$1.6B
+7.2% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.6% in tier |
| Loans |
$2.7B
-15.4% YoY-3.8% QoQ
|
$-196.3M |
$2.9B
-1.2% YoY
|
$1.1B
+5.6% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$2.6B
-14.6% YoY-4.9% QoQ
|
$-698.5M |
$3.3B
-2.6% YoY
|
$1.4B
+7.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.2% in tier |
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| ROA |
3.0%
-332.2% YoY-210.5% QoQ
|
+2.1% |
0.9%
+25.3% YoY
|
0.9%
+189.6% YoY
|
1.2%
+121.4% YoY
|
Top 1.3% in tier |
| NIM |
2.5%
-23.6% YoY-0.1% QoQ
|
-0.8% |
3.2%
+3.8% YoY
|
4.0%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
120.5%
+7.8% YoY-5.4% QoQ
|
+51.0% |
69.5%
-2.3% YoY
|
83.1%
+0.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate |
6.3%
+27.0% YoY+24.3% QoQ
|
+5.4 |
0.8%
+5.5% YoY
|
1.5%
+12.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
106.9%
-1.0% YoY+1.1% QoQ
|
+16.6% |
90.2%
+0.9% YoY
|
74.9%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 10.4% in tier |
| AMR |
$15,750
-3.7% YoY-0.4% QoQ
|
$-15K |
$31,018
+6.9% YoY
|
$17,976
+4.0% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
39.5%
-7.7% YoY-0.7% QoQ
|
+10.4% | 29.1% | 21.4% | 20.0% | Top 11.7% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 4.6% | 7.7% | Top 0.1% 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.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)