BlastPoint's Credit Union Scorecard

CIVIC

Charter #24003 · NC

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 1 in NC

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CIVIC has 4 strengths but faces 22 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 2.6% in tier
+ Loan-to-Share Ratio: Top 5.3% in tier
+ Total Members: Top 7.9% 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
- Membership Headwinds: Bottom 1.7% in tier
- Shrinking Wallet Share: Bottom 4.3% in tier
- Liquidity Strain: Bottom 13.9% in tier
- Efficiency Drag: Bottom 19.2% in tier
- Stagnation Risk: Bottom 28.9% in tier
- ROA 3.54% below tier average
- Efficiency ratio 67.74% above tier (higher cost structure)
- Delinquency rate 5.99% above tier average
- Member decline: -11.4% YoY
- Member Growth Rate: Bottom 1.3% in tier
- Asset Growth Rate: Bottom 1.3% in tier
- Deposit Growth Rate: Bottom 1.3% in tier
- Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- Loan Growth Rate: Bottom 2.6% in tier
- Net Worth Ratio: Bottom 3.9% in tier
- Net Charge-Off Rate: Bottom 5.3% in tier
- Average Member Relationship (AMR): Bottom 5.3% in tier
- AMR Growth Rate: Bottom 6.6% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	366,134 -11.4% YoY-3.9% QoQ	+127.7K	238,465 +0.6% YoY	91,841 +6.6% YoY	33,089 +6.1% YoY	Top 9.2% in tier
Assets	$3.5B -14.7% YoY-4.1% QoQ	$-457.3M	$4.0B -0.1% YoY	$1.5B +5.5% YoY	$547.7M +7.8% YoY	28%
Loans	$3.1B -14.2% YoY-4.5% QoQ	+$70.6M	$3.0B +3.3% YoY	$1.1B +9.9% YoY	$388.7M +8.6% YoY	58%
Deposits	$2.8B -21.4% YoY-5.4% QoQ	$-497.9M	$3.3B +1.1% YoY	$1.3B +12.1% YoY	$464.6M +9.3% YoY	20%

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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	-2.8% -2479.7% YoY+115.7% QoQ	-3.5%	0.7% +5.3% YoY	0.4% -19.0% YoY	0.7% +273.4% YoY	Bottom 0.0% in tier
NIM	3.1% -6.5% YoY-5.4% QoQ	-0.2%	3.2% +13.7% YoY	4.1% +4.0% YoY	3.7% +5.0% YoY	41%
Efficiency Ratio	139.0% +59.9% YoY+24.4% QoQ	+67.7%	71.3% -0.6% YoY	81.5% -1.2% YoY	79.1% -3.3% YoY	Top 1.3% in tier
Delinquency Rate	6.8% +107.0% YoY+38.4% QoQ	+6.0	0.8% +15.9% YoY	1.5% +2.4% YoY	1.2% -0.9% YoY	Top 1.3% in tier
Loan To Share	109.0% +9.2% YoY+1.0% QoQ	+18.1%	90.8% +2.0% YoY	76.3% +1.1% YoY	68.0% -1.7% YoY	Top 6.6% in tier
AMR	$16,182 -7.2% YoY-1.1% QoQ	$-13K	$29,088 +0.1% YoY	$17,441 +4.0% YoY	$19,418 +1.3% YoY	Bottom 3.9% in tier
CD Concentration	40.4% +19.5% YoY-5.6% QoQ	+11.4%	29.0% +0.7% YoY	20.6% +2.2% YoY	19.6% +6.2% YoY	Top 10.8% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	5.3% -2.9% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Accelerating Exit Risk

decline

#1 of 13 • Bottom 0.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -11.38%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -7.24%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

13 of 380 Mid-Market CUs have this signature | 73 nationally

↓ Shrinking -8 CUs YoY | New qualifier

Credit Quality Pressure

risk

#1 of 217 • Bottom 0.0% in tier

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

Why This Signature

Delinquency Change (YoY): 3.53% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Institutional Decline

decline

#1 of 31 • Bottom 0.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $3.51B

(Tier: $2.17B, National: $547.69M)

but better than tier avg

Member Growth (YoY): -11.38%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -14.18%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Membership Headwinds

decline

#5 of 85 • Bottom 1.7% in tier

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

Why This Signature

Member Growth (YoY): -11.38%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#14 of 83 • Bottom 4.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -7.24%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Strain

risk

#74 of 183 • Bottom 13.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 108.97%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -14.18%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Efficiency Drag

risk

#64 of 96 • Bottom 19.2% in tier

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

Why This Signature

Efficiency Ratio: 139.01%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -2.92% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -11.38%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Stagnation Risk

risk

#70 of 85 • Bottom 28.9% 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): -11.38%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -14.18%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 6.83%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

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 76 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 76 Top 0.0% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 799.419

Peer Avg: -

#3 of 76 Top 2.6% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 108.97%

Peer Avg: -

#5 of 76 Top 5.3% in 3B-5B tier

Total Members

engagement

Value: 366,134

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

Top Weaknesses (16 metrics)

Return on Assets (ROA)

profitability

Value: -2.80%

Peer Avg: -