BlastPoint's Credit Union Scorecard
CENTURY HERITAGE
Charter #1352 · PA
CENTURY HERITAGE faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.1% in tier
- - Indirect Auto Dependency: Bottom 9.9% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 4.88% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Share Certificate Concentration (%): Bottom 7.1% in tier
- - Indirect Auto Concentration (%): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,632
-0.3% YoY+0.7% QoQ
|
+3.0K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
70% |
| Assets |
$287.1M
+2.8% YoY+0.6% QoQ
|
+$55.8M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$188.1M
+2.1% YoY-0.4% QoQ
|
+$40.3M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$256.1M
+4.3% YoY+0.1% QoQ
|
+$55.8M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
72% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-4.1% YoY+12.0% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
2.9%
+6.9% YoY+2.2% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
82.2%
+0.6% YoY-1.6% QoQ
|
+4.9% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.9%
-6.9% YoY+11.5% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
73.4%
-2.1% YoY-0.4% QoQ
|
+0.7% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$23,843
+3.6% YoY-0.8% QoQ
|
$-521 |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
40.6%
+2.3% YoY+3.7% QoQ
|
+16.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
39.5%
-5.9% YoY-2.1% QoQ
|
+25.5% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)