CENTRICITY

Charter #68685 | MN

100M-500M (1077 CUs) Micro
31 100M-500M in MN

CENTRICITY has 11 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.4% in tier
  • + Wallet Share Momentum: Top 14.3% in tier
  • + Relationship Depth Leader: Top 15.8% in tier
  • + ROA 0.57% above tier average
  • + Net Interest Margin 1.54% above tier average
  • + Strong member growth: 28.2% YoY
  • + Deposit Growth Rate: Top 1.3% in tier
  • + Member Growth Rate: Top 1.5% in tier
  • + Loan Growth Rate: Top 1.5% in tier
  • + Asset Growth Rate: Top 1.6% in tier
  • + Loan-to-Share Ratio: Top 2.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 1.0% in tier
  • - Margin Compression: Bottom 9.1% in tier
  • - Indirect Auto Dependency: Bottom 9.7% in tier
  • - Liquidity Overhang: Bottom 31.0% in tier
  • - Members Per Employee (MPE): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Members 22,094
+28.2% YoY-0.3% QoQ
 +6.5K 15,628
-3.4% YoY
 26,738
+5.8% YoY
 33,089
+6.1% YoY
 Top 19.3% in tier
Assets $311.9M
+27.2% YoY-0.2% QoQ
 +$80.6M $231.3M
-0.0% YoY
 $521.2M
+7.2% YoY
 $547.7M
+7.8% YoY
 Top 24.8% in tier
Loans $254.3M
+38.4% YoY+0.7% QoQ
 +$106.5M $147.8M
-1.4% YoY
 $373.7M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 13.3% in tier
Deposits $255.4M
+32.8% YoY+0.3% QoQ
 +$55.1M $200.3M
-0.0% YoY
 $429.0M
+9.5% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 1.4%
-13.7% YoY+43.6% QoQ
 +0.6% 0.8%
+15.5% YoY
 1.4%
-35.4% YoY
 0.7%
+273.4% YoY
 Top 15.7% in tier
NIM 5.1%
+8.6% YoY+3.8% QoQ
 +1.5% 3.6%
+6.9% YoY
 3.7%
+9.1% YoY
 3.7%
+5.0% YoY
 Top 2.0% in tier
Efficiency Ratio 69.9%
+5.1% YoY-4.0% QoQ
 -7.3% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 26th in tier
Delinquency Rate 0.7%
-24.0% YoY-47.1% QoQ
 -0.2 0.9%
+7.6% YoY
 0.9%
+10.7% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 99.6%
+4.3% YoY+0.4% QoQ
 +26.9% 72.7%
-1.5% YoY
 77.1%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 3.0% in tier
AMR $23,071
+5.7% YoY+0.8% QoQ
 $-1K $24,363
+2.9% YoY
 $23,275
+3.9% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 13.1%
+44.9% YoY+3.5% QoQ
 -11.3% 24.4%
+4.2% YoY
 22.0%
+1.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 26.1%
-5.8% YoY-1.6% QoQ
 +12.1% 14.0%
-5.8% YoY
 6.6%
-8.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#45 of 603 • Top 2.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 28.21%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.36%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 26.08%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#396 of 1006 • Top 14.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.72%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#435 of 1006 • Top 15.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.72%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk
#9 of 258 • Bottom 1.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.56%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 38.44%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Margin Compression

decline
#39 of 136 • Bottom 9.1% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.36%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $311.87M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#156 of 525 • Bottom 9.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 27.19%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 26.08%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 28.21%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#480 of 552 • Bottom 31.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.59%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 99.56%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (12 metrics)

15
Deposit Growth Rate
growth
Value: 32.78%
Peer Avg: 4.69%
#15 of 1077 Top 1.3% in 100M-500M tier
17
Member Growth Rate
growth
Value: 28.21%
Peer Avg: 0.72%
#17 of 1077 Top 1.5% in 100M-500M tier
17
Loan Growth Rate
growth
Value: 38.44%
Peer Avg: 3.45%
#17 of 1077 Top 1.5% in 100M-500M tier
18
Asset Growth Rate
growth
Value: 27.19%
Peer Avg: 4.70%
#18 of 1077 Top 1.6% in 100M-500M tier
22
Net Interest Margin (NIM)
profitability
Value: 5.13%
Peer Avg: 3.58%
#22 of 1077 Top 1.9% in 100M-500M tier
32
Loan-to-Share Ratio
balance_sheet
Value: 99.56%
Peer Avg: 72.70%
#32 of 1077 Top 2.9% in 100M-500M tier
143
Total Loans
balance_sheet
Value: $254.30M
Peer Avg: $147.80M
#143 of 1077 Top 13.2% in 100M-500M tier
169
Return on Assets (ROA)
profitability
Value: 1.36%
Peer Avg: 0.79%
#169 of 1077 Top 15.6% in 100M-500M tier
187
Share Certificate Concentration (%)
balance_sheet
Value: 13.08%
Peer Avg: 23.61%
#187 of 1077 Top 17.3% in 100M-500M tier
208
Total Members
engagement
Value: 22,094
Peer Avg: 15,628
#208 of 1077 Top 19.2% in 100M-500M tier

Top Weaknesses (3 metrics)

996
Members Per Employee (MPE)
engagement
Value: 216.608
Peer Avg: 332.881
#996 of 1077 Bottom 7.6% in 100M-500M tier
858
Indirect Auto Concentration (%)
balance_sheet
Value: 26.08%
Peer Avg: 13.34%
#858 of 1077 Bottom 20.4% in 100M-500M tier
821
Net Charge-Off Rate
risk
Value: 0.63%
Peer Avg: 0.47%
#821 of 1077 Bottom 23.9% in 100M-500M tier