BlastPoint's Credit Union Scorecard
CIVIC
Charter #24898 · NC
CIVIC has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Strong member growth: 20.8% YoY
- + Efficiency Ratio: Top 3.8% in tier
- + Loan-to-Share Ratio: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.7% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.85% below tier average
- - AMR Growth Rate: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
Core Metrics
As of 2024-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,678
+20.8% YoY+2.7% QoQ
|
-8.4K |
16,124
-1.8% YoY
|
84,504
+6.4% YoY
|
30,744
+5.8% YoY
|
Bottom 13.2% in tier |
| Assets |
$119.3M
+19.5% YoY-3.5% QoQ
|
$-111.5M |
$230.8M
+0.2% YoY
|
$1.4B
+14.4% YoY
|
$501.0M
+7.0% YoY
|
Bottom 13.5% in tier |
| Loans |
$108.8M
+21.2% YoY+11.4% QoQ
|
$-40.7M |
$149.5M
+0.5% YoY
|
$947.6M
+10.4% YoY
|
$352.6M
+7.1% YoY
|
41% |
| Deposits |
$109.4M
+24.0% YoY-3.5% QoQ
|
$-90.9M |
$200.2M
-1.0% YoY
|
$1.2B
+7.5% YoY
|
$420.3M
+6.1% YoY
|
18% |
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| ROA |
-0.2%
-113.9% YoY-154.6% QoQ
|
-0.9% |
0.6%
-10.2% YoY
|
0.4%
-31.9% YoY
|
0.1%
-82.7% YoY
|
Bottom 6.4% in tier |
| NIM |
2.6%
-6.6% YoY+11.9% QoQ
|
-0.7% |
3.3%
+7.7% YoY
|
3.7%
+3.4% YoY
|
3.5%
+9.9% YoY
|
18% |
| Efficiency Ratio |
68.9%
+39.0% YoY-6.8% QoQ
|
-12.1% |
81.1%
+2.8% YoY
|
84.5%
-0.5% YoY
|
134.4%
+62.7% YoY
|
19% |
| Delinquency Rate |
0.8%
+198.9% YoY-26.1% QoQ
|
+0.0 |
0.7%
+29.4% YoY
|
1.3%
+34.5% YoY
|
1.2%
+14.3% YoY
|
66% |
| Loan To Share |
99.5%
-2.2% YoY+15.5% QoQ
|
+25.9% |
73.6%
+1.9% YoY
|
76.1%
+4.6% YoY
|
68.9%
+3.4% YoY
|
Top 4.2% in tier |
| AMR |
$28,414
+1.5% YoY+0.7% QoQ
|
+$5K |
$23,689
+1.5% YoY
|
$16,781
+2.1% YoY
|
$19,473
+5.2% YoY
|
80% |
| CD Concentration |
26.5%
+206.8% YoY+4.4% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)