BlastPoint's Credit Union Scorecard
CENTRICITY
Charter #68685 · MN
CENTRICITY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.28% above tier average
- + Net Interest Margin 1.25% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Member decline: -2.9% YoY
- - Members Per Employee (MPE): Bottom 8.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 31 that size in Minnesota.
- Shares and deposits +9.0% year over year ($277M in shares and deposits).
- Membership: 21,518 members, -2.9% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 2.14%.
- Efficiency ratio 63.01% vs a 76.73% peer average.
- Loan-to-share ratio 90.58% vs a 71.54% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,518
-2.9% YoY-1.1% QoQ
|
+6.3K |
15,168
-2.6% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$340.5M
+9.0% YoY+0.8% QoQ
|
+$108.5M |
$232.0M
+0.7% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$251.3M
-0.5% YoY-0.9% QoQ
|
+$105.0M |
$146.3M
+0.2% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
Top 12.9% in tier |
| Deposits |
$277.4M
+9.0% YoY+0.2% QoQ
|
+$76.7M |
$200.7M
+0.2% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
2.1%
+126.4% YoY+26.8% QoQ
|
+1.3% |
0.9%
+12.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
Top 2.2% in tier |
| NIM |
4.9%
-0.1% YoY+1.4% QoQ
|
+1.3% |
3.7%
+4.5% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
Top 3.4% in tier |
| Efficiency Ratio |
63.0%
-13.5% YoY-4.0% QoQ
|
-13.7% |
76.7%
-0.8% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Top 12.3% in tier |
| Delinquency Rate |
0.8%
-39.3% YoY+30.1% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
90.6%
-8.7% YoY-1.1% QoQ
|
+19.0% |
71.5%
-0.3% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 14.0% in tier |
| AMR |
$24,572
+7.3% YoY+0.8% QoQ
|
$-535 |
$25,107
+3.2% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
16.6%
+31.6% YoY+4.9% QoQ
|
-7.9% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % |
24.0%
-9.4% YoY-3.1% QoQ
|
+10.4% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)