BlastPoint's Credit Union Scorecard
CENTURY HERITAGE
Charter #1352 · PA
CENTURY HERITAGE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 0.69% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 7.9% in tier
- - AMR Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,935
+2.8% YoY+0.5% QoQ
|
+3.8K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$288.0M
+1.1% YoY+0.5% QoQ
|
+$56.3M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$186.3M
-0.6% YoY+0.5% QoQ
|
+$42.2M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$255.5M
+0.2% YoY+0.2% QoQ
|
+$54.4M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
72% |
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| ROA |
0.9%
+182.5% YoY+30.6% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
3.3%
+26.5% YoY+11.9% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
78.7%
-10.7% YoY-1.1% QoQ
|
+0.7% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.6%
+67.9% YoY-35.8% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
72.9%
-0.8% YoY+0.3% QoQ
|
+2.5% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$23,335
-2.9% YoY-0.1% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
37.2%
-3.1% YoY-3.8% QoQ
|
+12.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
40.4%
-1.8% YoY+2.9% QoQ
|
+26.6% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)