BlastPoint's Credit Union Scorecard

CIVIC CENTRAL

Charter #62598 · MO

100M-500M

1024 CUs in 100M-500M nationally 22 in MO

CIVIC CENTRAL has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.43% above tier average
+ Loan Growth Rate: Top 2.1% in tier
+ AMR Growth Rate: Top 2.1% in tier
+ Efficiency Ratio: Top 4.7% in tier
+ First Mortgage Concentration (%): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Member decline: -6.8% YoY
- Total Assets: Bottom 3.1% in tier
- Total Members: Bottom 3.6% in tier
- Total Deposits: Bottom 4.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 22 that size in Missouri.
Shares and deposits +6.1% year over year ($91.7M in shares and deposits).
Membership: 4,878 members, -6.8% vs a year ago.
Delinquency rate 0.48%.
Return on assets 1.29%.
Efficiency ratio 55.81% vs a 76.73% peer average.
Loan-to-share ratio 51.11% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	4,878 -6.8% YoY-1.0% QoQ	-10.3K	15,168 -2.6% YoY	15,766 -0.3% YoY	34,678 +6.6% YoY	Bottom 3.5% in tier
Assets	$105.0M +7.2% YoY+2.6% QoQ	$-127.0M	$232.0M +0.7% YoY	$225.8M +8.3% YoY	$593.1M +10.2% YoY	Bottom 3.0% in tier
Loans	$46.9M +23.4% YoY+2.6% QoQ	$-99.4M	$146.3M +0.2% YoY	$157.5M +9.5% YoY	$418.6M +10.1% YoY	Bottom 5.0% in tier
Deposits	$91.7M +6.1% YoY+2.6% QoQ	$-109.1M	$200.7M +0.2% YoY	$197.6M +8.9% YoY	$504.8M +10.3% YoY	Bottom 4.5% in tier

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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	1.3% +9.9% YoY+16.1% QoQ	+0.4%	0.9% +12.5% YoY	1.4% +222.5% YoY	1.2% +121.4% YoY	80%
NIM	3.1% +14.3% YoY+0.1% QoQ	-0.6%	3.7% +4.5% YoY	3.8% +0.7% YoY	3.8% +2.3% YoY	17%
Efficiency Ratio	55.8% -4.7% YoY-7.0% QoQ	-20.9%	76.7% -0.8% YoY	83.2% +2.3% YoY	83.0% -5.3% YoY	Top 4.7% in tier
Delinquency Rate	0.5% +24.7% YoY+27.2% QoQ	-0.4	0.9% +6.6% YoY	1.1% -8.7% YoY	1.3% +2.6% YoY	34%
Loan To Share	51.1% +16.3% YoY-0.0% QoQ	-20.4%	71.5% -0.3% YoY	69.6% -2.9% YoY	66.4% -1.4% YoY	Bottom 12.7% in tier
AMR	$28,395 +19.5% YoY+3.6% QoQ	+$3K	$25,107 +3.2% YoY	$17,444 +4.9% YoY	$20,028 -0.9% YoY	75%
CD Concentration	21.3% +5.7% YoY+4.0% QoQ	-3.3%	24.6%	18.3%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#25 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 19.47%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#81 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -6.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Risk Growth

risk

#115 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 23.41%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Stagnation Risk

risk

#344 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.77%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 23.41%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.48%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Quality Pressure

risk

#493 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 23.41%

Peer Median: 3.02%

#22 of 1024 Top 2.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 19.47%

Peer Median: 3.53%

#22 of 1024 Top 2.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.81%

Peer Median: 77.26%

#49 of 1024 Top 4.7% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 7.02%

Peer Median: 29.92%

#85 of 1024 Top 8.2% in 100M-500M tier

120

Members Per Employee (MPE)

engagement

Value: 443.455

Peer Median: 310.924

#120 of 1024 Top 11.6% in 100M-500M tier

203

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: 0.75%

#203 of 1024 Top 19.7% in 100M-500M tier

230

Asset Growth Rate

growth

Value: 7.17%

Peer Median: 4.12%

#230 of 1024 Top 22.4% in 100M-500M tier

255

Average Member Relationship (AMR)

engagement

Value: $28,395

Peer Median: $23,006

#255 of 1024 Top 24.8% in 100M-500M tier

Top Weaknesses (7 metrics)

993

Total Assets

balance_sheet

Value: $105.02M

Peer Median: $196.38M

#993 of 1024 Bottom 3.1% in 100M-500M tier

988

Total Members

engagement

Value: 4,878

Peer Median: 13,128

#988 of 1024 Bottom 3.6% in 100M-500M tier

978

Total Deposits

balance_sheet

Value: $91.66M

Peer Median: $170.77M

#978 of 1024 Bottom 4.6% in 100M-500M tier

973

Total Loans

balance_sheet

Value: $46.85M

Peer Median: $124.04M

#973 of 1024 Bottom 5.1% in 100M-500M tier

962

Member Growth Rate

growth

Value: -6.77%

Peer Median: -0.03%

#962 of 1024 Bottom 6.2% in 100M-500M tier

894

Loan-to-Share Ratio

balance_sheet

Value: 51.11%

Peer Median: 73.07%

#894 of 1024 Bottom 12.8% in 100M-500M tier

854

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Median: 3.67%

#854 of 1024 Bottom 16.7% in 100M-500M tier