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BlastPoint's Credit Union Scorecard

CENTER CITY COMMUNITY

Charter #68052 · CA

<100M
2508 CUs in <100M nationally 92 in 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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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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)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
234
Members Per Employee (MPE)
engagement
Value: 565.600
Peer Median: 333.750
#234 of 2508 Top 9.3% in <100M tier
472
Net Charge-Off Rate
risk
Value: -0.01%
Peer Median: 0.07%
#472 of 2508 Top 18.8% in <100M tier
555
Loan Growth Rate
growth
Value: 4.46%
Peer Median: -2.36%
#555 of 2508 Top 22.1% in <100M tier

Top Weaknesses (5 metrics)

2233
Net Worth Ratio
risk
Value: 9.12%
Peer Median: 14.28%
#2233 of 2508 Bottom 11.0% in <100M tier
2089
Efficiency Ratio
profitability
Value: 99.25%
Peer Median: 81.45%
#2089 of 2508 Bottom 16.7% in <100M tier
2010
Asset Growth Rate
growth
Value: -3.57%
Peer Median: 1.30%
#2010 of 2508 Bottom 19.9% in <100M tier
1941
Return on Assets (ROA)
profitability
Value: 0.03%
Peer Median: 0.61%
#1941 of 2508 Bottom 22.6% in <100M tier
1926
Deposit Growth Rate
growth
Value: -3.88%
Peer Median: 0.66%
#1926 of 2508 Bottom 23.2% in <100M tier
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