BlastPoint's Credit Union Scorecard
CIVIC CENTRAL
Charter #62598 · MO
CIVIC CENTRAL has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Total Assets: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Deposits: Top 0.5% in tier
- + AMR Growth Rate: Top 2.3% in tier
- + Loan Growth Rate: Top 3.3% in tier
- + Average Member Relationship (AMR): Top 6.4% in tier
- + Total Loans: Top 7.0% in tier
- + Efficiency Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.2% YoY
- - Member Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,002
-7.2% YoY-2.5% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 13.8% in tier |
| Assets |
$100.0M
+8.9% YoY+0.3% QoQ
|
+$69.8M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 0.0% in tier |
| Loans |
$46.5M
+20.9% YoY+17.1% QoQ
|
+$30.7M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 7.0% in tier |
| Deposits |
$87.1M
+7.2% YoY-0.4% QoQ
|
+$61.4M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 0.5% in tier |
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| ROA |
1.3%
+12.7% YoY+11.3% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
2.8%
+5.6% YoY+2.8% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
55.0%
-7.3% YoY-4.8% QoQ
|
-27.6% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
0.5%
+5.0% YoY-4.4% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
53.4%
+12.8% YoY+17.6% QoQ
|
-7.3% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$26,711
+20.2% YoY+7.8% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 6.4% in tier |
| CD Concentration |
20.0%
+10.6% YoY+1.6% QoQ
|
-4.4% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)