BlastPoint's Credit Union Scorecard
CENTURY HERITAGE
Charter #1352 · PA
CENTURY HERITAGE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 83.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.3% in tier
- - Indirect Auto Dependency: Bottom 58.6% in tier
- - Shrinking Wallet Share: Bottom 91.8% in tier
- - ROA 0.10% below tier average
- - Efficiency ratio 2.58% above tier (higher cost structure)
- - Delinquency rate 0.11% above tier average
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
- - Share Certificate Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,846
+2.2% YoY+1.1% QoQ
|
+3.4K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$286.5M
+2.0% YoY-0.2% QoQ
|
+$54.6M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$185.4M
-0.2% YoY-1.5% QoQ
|
+$38.0M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$254.9M
+2.6% YoY-0.5% QoQ
|
+$54.1M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.7%
-2.8% YoY+18.0% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
3.0%
+10.4% YoY+3.0% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
79.6%
+2.1% YoY-3.1% QoQ
|
+2.6% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.0%
+100.2% YoY+7.8% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
72.7%
-2.7% YoY-1.0% QoQ
|
+0.5% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$23,363
-0.8% YoY-2.0% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
38.7%
-2.7% YoY-4.7% QoQ
|
+14.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
39.2%
-5.6% YoY-0.6% QoQ
|
+25.4% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)