BlastPoint's Credit Union Scorecard
GREATER CENTENNIAL
Charter #19775 · NY
2556 CUs in <100M nationally
183 in NY
GREATER CENTENNIAL has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.82% 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
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.20% below tier average
- - Efficiency ratio 28.79% above tier (higher cost structure)
- - Delinquency rate 9.41% above tier average
- - Total Assets: Bottom 1.4% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- - Total Loans: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
- - Total Members: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
+2.2% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$243,983
+3.8% YoY+0.7% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.3% in tier |
| Loans |
$71,794
+9.4% YoY-7.5% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.5% in tier |
| Deposits |
$220,915
+8.4% YoY+0.7% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.7% in tier |
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| ROA |
-0.6%
-89.5% YoY-87.5% QoQ
|
-1.2% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.2% in tier |
| NIM |
4.8%
+66.6% YoY+12.0% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
111.3%
-61.3% YoY-44.6% QoQ
|
+28.8% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Top 6.0% in tier |
| Delinquency Rate |
11.0%
+140.3% YoY-12.6% QoQ
|
+9.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
Top 2.1% in tier |
| Loan To Share |
32.5%
+0.9% YoY-8.1% QoQ
|
-28.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.1% in tier |
| AMR |
$1,608
+6.3% YoY-1.5% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.9% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
307
Loan Growth Rate
growth
Value:
9.39%
Peer Median: -
#307 of 2556
Top 12.0% in <100M tier
326
Deposit Growth Rate
growth
Value:
8.42%
Peer Median: -
#326 of 2556
Top 12.7% in <100M tier
362
Member Growth Rate
growth
Value:
2.25%
Peer Median: -
#362 of 2556
Top 14.1% in <100M tier
492
Net Interest Margin (NIM)
profitability
Value:
4.77%
Peer Median: -
#492 of 2556
Top 19.2% in <100M tier
544
AMR Growth Rate
growth
Value:
6.27%
Peer Median: -
#544 of 2556
Top 21.2% in <100M tier
Top Weaknesses (13 metrics)
2522
Total Assets
balance_sheet
Value:
$243,983
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2513
Total Deposits
balance_sheet
Value:
$220,915
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2507
Average Member Relationship (AMR)
engagement
Value:
$1,608
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2504
Total Delinquency Rate (60+ days)
risk
Value:
10.97%
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2491
Total Loans
balance_sheet
Value:
$71,794
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2487
Loan-to-Member Ratio (LMR)
engagement
Value:
$394.47
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2454
Total Members
engagement
Value:
182
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2404
Efficiency Ratio
profitability
Value:
111.35%
Peer Median: -
#2404 of 2556
Bottom 6.0% in <100M tier
2347
Return on Assets (ROA)
profitability
Value:
-0.58%
Peer Median: -
#2347 of 2556
Bottom 8.2% in <100M tier
2244
Fee Income Per Member
profitability
Value:
$3.97
Peer Median: -
#2244 of 2556
Bottom 12.2% in <100M tier