BlastPoint's Credit Union Scorecard
GREATER CENTENNIAL
Charter #19775 · NY
<100M
2508 CUs in <100M nationally
179 in NY
GREATER CENTENNIAL has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.38% above tier average
- + Efficiency Ratio: Top 0.2% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + Deposit Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 17.14% above tier average
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Total Assets: Bottom 1.5% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Total Loans: Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
+2.8% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$277,053
+16.7% YoY+13.6% QoQ
|
$-29.9M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.5% in tier |
| Loans |
$66,324
+6.7% YoY-7.6% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.4% in tier |
| Deposits |
$244,548
+13.8% YoY+10.7% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.8% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
6.5%
-521.5% YoY-1234.9% QoQ
|
+6.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 0.3% in tier |
| NIM |
0.2%
-95.9% YoY-94.8% QoQ
|
-3.8% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.4% in tier |
| Efficiency Ratio |
9.3%
-92.5% YoY-91.6% QoQ
|
-81.3% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Top 0.2% in tier |
| Delinquency Rate |
18.6%
+278.3% YoY+70.0% QoQ
|
+17.1 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
27.1%
-6.2% YoY-16.5% QoQ
|
-31.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.9% in tier |
| AMR |
$1,708
+9.1% YoY+6.2% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
6
Efficiency Ratio
profitability
Value:
9.31%
Peer Median: 81.45%
#6 of 2508
Top 0.2% in <100M tier
8
Return on Assets (ROA)
profitability
Value:
6.53%
Peer Median: 0.61%
#8 of 2508
Top 0.3% in <100M tier
51
Asset Growth Rate
growth
Value:
16.68%
Peer Median: 1.30%
#51 of 2508
Top 2.0% in <100M tier
102
Deposit Growth Rate
growth
Value:
13.76%
Peer Median: 0.66%
#102 of 2508
Top 4.0% in <100M tier
282
AMR Growth Rate
growth
Value:
9.10%
Peer Median: 1.27%
#282 of 2508
Top 11.2% in <100M tier
317
Member Growth Rate
growth
Value:
2.82%
Peer Median: -1.37%
#317 of 2508
Top 12.6% in <100M tier
391
Loan Growth Rate
growth
Value:
6.74%
Peer Median: -2.36%
#391 of 2508
Top 15.6% in <100M tier
Top Weaknesses (10 metrics)
2499
Net Interest Margin (NIM)
profitability
Value:
0.25%
Peer Median: 3.83%
#2499 of 2508
Bottom 0.4% in <100M tier
2479
Total Delinquency Rate (60+ days)
risk
Value:
18.64%
Peer Median: 0.65%
#2479 of 2508
Bottom 1.2% in <100M tier
2471
Total Assets
balance_sheet
Value:
$277,053
Peer Median: $21.86M
#2471 of 2508
Bottom 1.5% in <100M tier
2464
Total Deposits
balance_sheet
Value:
$244,548
Peer Median: $18.77M
#2464 of 2508
Bottom 1.8% in <100M tier
2456
Average Member Relationship (AMR)
engagement
Value:
$1,708
Peer Median: $13,926
#2456 of 2508
Bottom 2.1% in <100M tier
2449
Total Loans
balance_sheet
Value:
$66,324
Peer Median: $9.48M
#2449 of 2508
Bottom 2.4% in <100M tier
2443
Loan-to-Member Ratio (LMR)
engagement
Value:
$364.42
Peer Median: $4,923
#2443 of 2508
Bottom 2.6% in <100M tier
2408
Total Members
engagement
Value:
182
Peer Median: 1,918
#2408 of 2508
Bottom 4.0% in <100M tier
2284
Loan-to-Share Ratio
balance_sheet
Value:
27.12%
Peer Median: 58.72%
#2284 of 2508
Bottom 9.0% in <100M tier
2181
Members Per Employee (MPE)
engagement
Value:
182.000
Peer Median: 333.750
#2181 of 2508
Bottom 13.1% in <100M tier