BlastPoint's Credit Union Scorecard
CENTER CITY COMMUNITY
Charter #68052 · CA
CENTER CITY COMMUNITY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Efficiency ratio 8.61% above tier (higher cost structure)
- - Member decline: -3.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,828
-3.1% YoY+0.5% QoQ
|
+151 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$25.3M
-3.6% YoY+1.4% QoQ
|
$-4.9M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$13.1M
+4.5% YoY+2.3% QoQ
|
$-2.1M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
58% |
| Deposits |
$22.4M
-3.9% YoY+2.5% QoQ
|
$-3.4M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.0%
-95.4% YoY
|
-0.1% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
23% |
| NIM |
3.6%
+5.0% YoY-1.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
99.2%
+15.2% YoY+2.4% QoQ
|
+8.6% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
58.6%
+8.7% YoY-0.2% QoQ
|
+0.1% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$12,566
+2.2% YoY+1.9% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
23.3%
-2.6% YoY-5.3% QoQ
|
-1.0% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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)