GREATER CENTENNIAL
Charter #19775 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
GREATER CENTENNIAL has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 5.30% below tier average
- - Efficiency ratio 119.67% above tier (higher cost structure)
- - Delinquency rate 11.04% above tier average
- - Total Assets: Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Total Deposits: Bottom 1.9% in tier
- - Average Member Relationship (AMR): Bottom 2.2% in tier
- - Total Loans: Bottom 2.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- - Total Members: Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
+3.4% YoY+2.2% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 3.9% in tier |
| Assets |
$242,403
+7.7% YoY-7.8% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.3% in tier |
| Loans |
$77,581
+18.9% YoY+22.4% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.7% in tier |
| Deposits |
$219,449
+5.2% YoY-8.8% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.8% in tier |
| ROA |
-4.6%
+21.8% YoY+71.5% QoQ
|
-5.3% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.2% in tier |
| NIM |
4.3%
+65.8% YoY+3.9% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
201.1%
-18.5% YoY+24.5% QoQ
|
+119.7% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
12.5%
+473.2% YoY+13.6% QoQ
|
+11.0 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.8% in tier |
| Loan To Share |
35.4%
+13.1% YoY+34.2% QoQ
|
-25.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.4% in tier |
| AMR |
$1,632
+4.9% YoY-4.4% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
96
Loan Growth Rate
growth
Value:
18.93%
Peer Avg: 59.01%
#96 of 2596
Top 3.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
276
Member Growth Rate
growth
Value:
3.41%
Peer Avg: 14.92%
#276 of 2596
Top 10.6% in <100M tier
363
Asset Growth Rate
growth
Value:
7.72%
Peer Avg: 1.82%
#363 of 2596
Top 13.9% in <100M tier
594
Deposit Growth Rate
growth
Value:
5.20%
Peer Avg: 16.80%
#594 of 2596
Top 22.8% in <100M tier
Top Weaknesses (13 metrics)
2566
Return on Assets (ROA)
profitability
Value:
-4.62%
Peer Avg: 0.68%
#2566 of 2596
Bottom 1.2% in <100M tier
2566
Efficiency Ratio
profitability
Value:
201.06%
Peer Avg: 81.39%
#2566 of 2596
Bottom 1.2% in <100M tier
2561
Total Assets
balance_sheet
Value:
$242,403
Peer Avg: $29.86M
#2561 of 2596
Bottom 1.4% in <100M tier
2549
Total Delinquency Rate (60+ days)
risk
Value:
12.55%
Peer Avg: 1.51%
#2549 of 2596
Bottom 1.8% in <100M tier
2548
Total Deposits
balance_sheet
Value:
$219,449
Peer Avg: $25.45M
#2548 of 2596
Bottom 1.9% in <100M tier
2541
Average Member Relationship (AMR)
engagement
Value:
$1,632
Peer Avg: $14,627
#2541 of 2596
Bottom 2.2% in <100M tier
2527
Total Loans
balance_sheet
Value:
$77,581
Peer Avg: $15.77M
#2527 of 2596
Bottom 2.7% in <100M tier
2515
Loan-to-Member Ratio (LMR)
engagement
Value:
$426.27
Peer Avg: $5,488
#2515 of 2596
Bottom 3.2% in <100M tier
2494
Total Members
engagement
Value:
182
Peer Avg: 2,626
#2494 of 2596
Bottom 4.0% in <100M tier
2269
Net Worth Ratio
risk
Value:
9.47%
Peer Avg: 16.43%
#2269 of 2596
Bottom 12.6% in <100M tier