BlastPoint's Credit Union Scorecard

CENTRICITY

Charter #68685 · MN

100M-500M

1070 CUs in 100M-500M nationally 31 in MN

CENTRICITY has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.96% above tier average
+ Net Interest Margin 1.24% above tier average
+ AMR Growth Rate: Top 7.8% in tier
+ Loan-to-Share Ratio: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Member decline: -4.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	21,757 -4.4% YoY-1.3% QoQ	+6.6K	15,145 -2.5% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	82%
Assets	$337.9M +6.8% YoY+5.0% QoQ	+$106.2M	$231.7M +0.8% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	79%
Loans	$253.5M +4.7% YoY-0.5% QoQ	+$109.4M	$144.1M +0.2% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	Top 11.9% in tier
Deposits	$276.9M +6.6% YoY+5.6% QoQ	+$75.7M	$201.1M +0.4% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	76%

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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	1.7% +87.1% YoY+13.4% QoQ	+1.0%	0.7% +5.1% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	Top 7.6% in tier
NIM	4.9% -10.1% YoY-4.8% QoQ	+1.2%	3.6% +4.6% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	Top 3.8% in tier
Efficiency Ratio	65.7% -3.8% YoY-4.2% QoQ	-12.4%	78.0% -1.7% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	16%
Delinquency Rate	0.6% -22.7% YoY-13.4% QoQ	-0.2	0.8% +7.1% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	50%
Loan To Share	91.6% -1.7% YoY-5.7% QoQ	+21.1%	70.4% -0.4% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	Top 9.3% in tier
AMR	$24,377 +10.6% YoY+3.9% QoQ	$-541	$24,918 +2.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	58%
CD Concentration	15.8% +27.9% YoY+8.2% QoQ	-8.4%	24.3%	22.6%	19.8%	50%
Indirect Auto %	24.8% -6.4% YoY-1.5% QoQ	+11.0%	13.8%	6.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#105 of 491 • 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): 10.56%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#111 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.78%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 24.77%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#151 of 570 • 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): -4.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#270 of 570 • 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): -4.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.72%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.61%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#147 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.56%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.72%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (11 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.87%

Peer Median: 3.62%

#41 of 1070 Top 3.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: 0.69%

#81 of 1070 Top 7.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.56%

Peer Median: 3.46%

#84 of 1070 Top 7.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.56%

Peer Median: 71.88%

#99 of 1070 Top 9.2% in 100M-500M tier

127

Total Loans

balance_sheet

Value: $253.51M

Peer Median: $121.41M

#127 of 1070 Top 11.8% in 100M-500M tier

176

Efficiency Ratio

profitability

Value: 65.65%

Peer Median: 78.68%

#176 of 1070 Top 16.4% in 100M-500M tier

190

Total Members

engagement

Value: 21,757

Peer Median: 13,200

#190 of 1070 Top 17.7% in 100M-500M tier

221

Total Assets

balance_sheet

Value: $337.92M

Peer Median: $196.57M

#221 of 1070 Top 20.6% in 100M-500M tier

255

Total Deposits

balance_sheet

Value: $276.88M

Peer Median: $171.29M

#255 of 1070 Top 23.7% in 100M-500M tier

265

Deposit Growth Rate

growth

Value: 6.59%

Peer Median: 3.30%

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

953

Members Per Employee (MPE)

engagement

Value: 229.021

Peer Median: 309.176

#953 of 1070 Bottom 11.0% in 100M-500M tier

942

Member Growth Rate

growth

Value: -4.40%

Peer Median: -0.06%

#942 of 1070 Bottom 12.1% in 100M-500M tier

844

Indirect Auto Concentration (%)

balance_sheet

Value: 24.77%

Peer Median: 6.61%

#844 of 1070 Bottom 21.2% in 100M-500M tier