BlastPoint's Credit Union Scorecard
CIVIC
Charter #24003 · NC
CIVIC has 3 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
- + Members Per Employee (MPE): Top 2.6% in tier
- + Total Members: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.3% in tier
- - Efficiency Drag: Bottom 0.3% in tier
- - Liquidity Strain: Bottom 4.2% in tier
- - Institutional Decline: Bottom 16.7% in tier
- - Shrinking Wallet Share: Bottom 97.4% in tier
- - Accelerating Exit Risk: Bottom 98.9% in tier
- - Stagnation Risk: Bottom 98.9% in tier
- - Membership Headwinds: Bottom 98.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
349,847
-13.6% YoY-1.6% QoQ
|
+129.4K |
220,435
-7.6% YoY
|
91,843
+3.2% YoY
|
33,913
+5.7% YoY
|
Top 6.4% in tier |
| Assets |
$3.2B
-20.0% YoY-4.1% QoQ
|
$-725.3M |
$3.9B
-1.5% YoY
|
$1.6B
+7.7% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.8B
-17.7% YoY-3.7% QoQ
|
$-49.0M |
$2.9B
-1.1% YoY
|
$1.1B
+5.7% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$2.7B
-24.4% YoY-2.6% QoQ
|
$-607.6M |
$3.3B
-2.5% YoY
|
$1.4B
+7.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.7%
+162.8% YoY-24.6% QoQ
|
-3.5% |
0.7%
+10.6% YoY
|
0.4%
+21.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
2.5%
-27.6% YoY-17.2% QoQ
|
-0.7% |
3.2%
+4.6% YoY
|
4.0%
+0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
127.3%
+25.5% YoY-6.9% QoQ
|
+56.1% |
71.3%
-2.6% YoY
|
84.1%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.3% in tier |
| Delinquency Rate |
5.0%
+148.2% YoY-33.8% QoQ
|
+4.3 |
0.7%
+9.2% YoY
|
1.3%
-24.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
105.7%
+8.8% YoY-1.1% QoQ
|
+17.7% |
88.0%
+0.9% YoY
|
74.3%
+0.8% YoY
|
65.6%
-1.4% YoY
|
Top 9.0% in tier |
| AMR |
$15,819
-8.6% YoY-1.6% QoQ
|
$-15K |
$30,672
+5.5% YoY
|
$17,856
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 1.3% in tier |
| CD Concentration |
39.7%
+14.2% YoY-3.2% QoQ
|
+10.9% | 28.8% | 21.2% | 19.8% | Top 11.0% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 4.9% | 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.
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)