BlastPoint's Credit Union Scorecard

CENTRICITY

Charter #68685 · MN

1069 CUs in 100M-500M nationally 31 in MN

CENTRICITY has 10 strengths but faces 3 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

+ Organic Growth Engine: Top 5.4% in tier
+ Wallet Share Momentum: Top 74.0% in tier
+ ROA 0.73% above tier average
+ Net Interest Margin 1.51% above tier average
+ Strong member growth: 29.0% YoY
+ Loan Growth Rate: Top 0.8% in tier
+ Deposit Growth Rate: Top 0.8% in tier
+ Asset Growth Rate: Top 0.9% in tier
+ Member Growth Rate: Top 1.2% in tier
+ Loan-to-Share Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.4% in tier
- Indirect Auto Dependency: Bottom 34.8% in tier
- Members Per Employee (MPE): Bottom 9.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	22,037 +29.0% YoY-0.3% QoQ	+6.6K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	82%
Assets	$321.9M +32.5% YoY+3.2% QoQ	+$90.0M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	77%
Loans	$254.7M +38.0% YoY+0.2% QoQ	+$107.4M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	Top 13.4% in tier
Deposits	$262.2M +36.5% YoY+2.7% QoQ	+$61.4M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	74%

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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	1.5% -2.1% YoY+9.6% QoQ	+0.7%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	Top 11.0% in tier
NIM	5.1% +7.0% YoY-0.3% QoQ	+1.5%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Top 2.4% in tier
Efficiency Ratio	68.5% +2.4% YoY-2.0% QoQ	-8.5%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	0.7% -20.7% YoY+1.8% QoQ	-0.2	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	49%
Loan To Share	97.1% +1.1% YoY-2.4% QoQ	+24.9%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	Top 4.6% in tier
AMR	$23,457 +6.4% YoY+1.7% QoQ	$-1K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	55%
CD Concentration	14.6% +54.3% YoY+12.0% QoQ	-9.8%	24.4%	22.0%	19.8%	50%
Indirect Auto %	25.1% -5.5% YoY-3.6% QoQ	+11.4%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#33 of 595 • Top 5.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 28.98%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.49%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 25.14%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#380 of 513 • Top 74.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.40%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#20 of 228 • Bottom 8.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.13%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 37.98%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#177 of 506 • Bottom 34.8% in tier

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

Why This Signature

Asset Growth (YoY): 32.48%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 25.14%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 28.98%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (13 metrics)

Loan Growth Rate

growth

Value: 37.98%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

Deposit Growth Rate

growth

Value: 36.50%

Peer Median: -

#10 of 1069 Top 0.8% in 100M-500M tier

Asset Growth Rate

growth

Value: 32.48%

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Member Growth Rate

growth

Value: 28.98%

Peer Median: -

#14 of 1069 Top 1.2% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.11%

Peer Median: -

#26 of 1069 Top 2.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 97.13%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

118

Return on Assets (ROA)

profitability

Value: 1.49%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

143

Total Loans

balance_sheet

Value: $254.70M

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

195

Total Members

engagement

Value: 22,037

Peer Median: -

#195 of 1069 Top 18.1% in 100M-500M tier

226

Efficiency Ratio

profitability

Value: 68.50%

Peer Median: -

#226 of 1069 Top 21.0% in 100M-500M tier

Top Weaknesses (2 metrics)

967

Members Per Employee (MPE)

engagement

Value: 222.596

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

848

Indirect Auto Concentration (%)

balance_sheet

Value: 25.14%

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier