BlastPoint's Credit Union Scorecard

CENTER PARC

Charter #67389 · GA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 5 in GA

View Mid-Market leaderboard →

CENTER PARC has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 4.8% in tier
+ Organic Growth Engine: Top 4.8% in tier
+ Strong member growth: 13.0% YoY
+ Member Growth Rate: Top 3.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.4% in tier
- Liquidity Strain: Bottom 40.0% in tier
- Credit Risk Growth: Bottom 56.5% in tier
- Deposit Outflow: Bottom 89.5% in tier
- Shrinking Wallet Share: Bottom 98.1% in tier
- ROA 0.35% below tier average
- Delinquency rate 0.17% above tier average
- AMR Growth Rate: Bottom 2.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Georgia.
Shares and deposits -0.7% year over year ($2.08B in shares and deposits).
Membership: 127,515 members, +13.0% vs a year ago.
Delinquency rate 1.03%.
Return on assets 0.47%.
Efficiency ratio 72.51% vs a 73.02% peer average.
Loan-to-share ratio 91.65% vs a 84.71% 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 (GA)	National Avg	Tier Percentile
Members	127,515 +13.0% YoY+1.7% QoQ	+30.7K	96,861 -1.9% YoY	32,666 +7.6% YoY	34,678 +6.6% YoY	78%
Assets	$2.4B -1.9% YoY-3.8% QoQ	+$694.1M	$1.7B +0.4% YoY	$529.0M +8.4% YoY	$593.1M +10.2% YoY	83%
Loans	$1.9B +4.8% YoY-0.6% QoQ	+$670.5M	$1.2B +0.7% YoY	$366.4M +11.0% YoY	$418.6M +10.1% YoY	Top 12.0% in tier
Deposits	$2.1B -0.7% YoY-2.3% QoQ	+$615.0M	$1.5B +0.5% YoY	$453.8M +8.0% YoY	$504.8M +10.3% YoY	84%

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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	0.5% -309.4% YoY-14.6% QoQ	-0.3%	0.8% +27.6% YoY	1.1% +36.8% YoY	1.2% +121.4% YoY	22%
NIM	3.1% +30.3% YoY+2.4% QoQ	-0.3%	3.4% +6.6% YoY	4.1% -0.3% YoY	3.8% +2.3% YoY	25%
Efficiency Ratio	72.5% -7.6% YoY+2.0% QoQ	-0.5%	73.0% -2.7% YoY	78.8% -0.4% YoY	83.0% -5.3% YoY	45%
Delinquency Rate	1.0% +33.4% YoY+10.2% QoQ	+0.2	0.9% +7.3% YoY	1.5% +41.3% YoY	1.3% +2.6% YoY	73%
Loan To Share	91.6% +5.5% YoY+1.7% QoQ	+6.9%	84.7% +0.1% YoY	70.2% -1.6% YoY	66.4% -1.4% YoY	65%
AMR	$31,236 -9.9% YoY-3.2% QoQ	+$2K	$29,575 +1.5% YoY	$17,498 +1.4% YoY	$20,028 -0.9% YoY	68%
CD Concentration	37.8% -6.9% YoY-0.4% QoQ	+8.7%	29.1%	20.2%	20.0%	85%
Indirect Auto %	9.8%	-8.3%	18.1%	4.3%	7.7%	36%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#9 of 112 • Top 4.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 13.01%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 9.77%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Organic Growth Engine

growth

#63 of 113 • Top 4.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 13.01%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.47%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 9.77%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#8 of 69 • Bottom 98.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -9.85%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

Credit Quality Pressure

risk

#61 of 215 • Bottom 16.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#73 of 170 • Bottom 56.5% in tier

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

Why This Signature

Loan Growth (YoY): 4.81%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Liquidity Strain

risk

#146 of 168 • Bottom 40.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.65%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 4.81%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | New qualifier

Deposit Outflow

decline

#22 of 23 • Bottom 89.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.67%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 13.01%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 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 300 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 13.01%

Peer Median: 1.84%

#12 of 300 Top 3.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.90B

Peer Median: $1.14B

#36 of 300 Top 11.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.83%

Peer Median: 10.91%

#44 of 300 Top 14.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.08B

Peer Median: $1.30B

#48 of 300 Top 15.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.42B

Peer Median: $1.51B

#52 of 300 Top 17.0% in 1B-3B tier

Total Members

engagement

Value: 127,515

Peer Median: 86,516

#65 of 300 Top 21.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 402.256

Peer Median: 346.173

#76 of 300 Top 25.0% in 1B-3B tier

Top Weaknesses (6 metrics)

294

AMR Growth Rate

growth

Value: -9.85%

Peer Median: 3.19%

#294 of 300 Bottom 2.3% in 1B-3B tier

285

Asset Growth Rate

growth

Value: -1.95%

Peer Median: 5.21%

#285 of 300 Bottom 5.3% in 1B-3B tier

266

Deposit Growth Rate

growth

Value: -0.67%

Peer Median: 4.79%

#266 of 300 Bottom 11.7% in 1B-3B tier

265

Share Certificate Concentration (%)

balance_sheet

Value: 37.75%

Peer Median: 28.24%

#265 of 300 Bottom 12.0% in 1B-3B tier

235

Return on Assets (ROA)

profitability

Value: 0.47%

Peer Median: 0.77%

#235 of 300 Bottom 22.0% in 1B-3B tier

229

Fee Income Per Member

profitability

Value: $164.18

Peer Median: $204.73

#229 of 300 Bottom 24.0% in 1B-3B tier