BlastPoint's Credit Union Scorecard
CIVIC CENTRAL
Charter #62598 · MO
CIVIC CENTRAL has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 0.2% in tier
- + Total Deposits: Top 0.4% in tier
- + AMR Growth Rate: Top 6.3% in tier
- + Average Member Relationship (AMR): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,129
-6.0% YoY-2.0% QoQ
|
+2.5K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Top 13.2% in tier |
| Assets |
$99.7M
+8.5% YoY+1.7% QoQ
|
+$69.9M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Top 0.2% in tier |
| Loans |
$39.7M
+2.2% YoY+4.6% QoQ
|
+$23.9M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Top 10.6% in tier |
| Deposits |
$87.4M
+7.6% YoY+1.2% QoQ
|
+$62.0M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Top 0.5% in tier |
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| ROA |
1.2%
+3.8% YoY+1.5% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
2.7%
+2.4% YoY+1.8% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
57.8%
-3.3% YoY-1.3% QoQ
|
-23.6% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.5%
+42.7% YoY+22.3% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
45.4%
-5.0% YoY+3.3% QoQ
|
-15.8% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$24,789
+12.6% YoY+4.3% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Top 8.3% in tier |
| CD Concentration |
19.7%
+19.8% YoY-1.9% QoQ
|
-4.7% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
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)