CENTURYFIRST

Charter #24668 | MS

100M-500M (1077 CUs) Micro
12 100M-500M in MS

CENTURYFIRST has 15 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.2% in tier
  • + Organic Growth Leader: Top 0.5% in tier
  • + Emerging Performer: Top 1.0% in tier
  • + Wallet Share Momentum: Top 1.7% in tier
  • + Relationship Depth Leader: Top 19.8% in tier
  • + ROA 0.52% above tier average
  • + Net Interest Margin 3.56% above tier average
  • + Strong member growth: 30.2% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.5% in tier
  • + Asset Growth Rate: Top 0.6% in tier
  • + Loan Growth Rate: Top 0.8% in tier
  • + Member Growth Rate: Top 1.4% in tier
  • + AMR Growth Rate: Top 3.5% in tier
  • + Loan-to-Share Ratio: Top 6.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.4% in tier
  • - Margin Compression: Bottom 5.7% in tier
  • - Cost Spiral: Bottom 7.4% in tier
  • - Delinquency rate 1.49% above tier average
  • - Net Charge-Off Rate: Bottom 2.5% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
  • - Average Member Relationship (AMR): Bottom 7.7% in tier
  • - Fee Income Per Member: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 16,306
+30.2% YoY+27.7% QoQ
 +677 15,628
-3.4% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $140.2M
+52.6% YoY+54.2% QoQ
 $-91.1M $231.3M
-0.0% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 26th in tier
Loans $114.5M
+44.3% YoY+43.7% QoQ
 $-33.3M $147.8M
-1.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $119.0M
+54.2% YoY+57.0% QoQ
 $-81.3M $200.3M
-0.0% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 25th in tier
ROA 1.3%
-32.8% YoY+22.9% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 Top 17.3% in tier
NIM 7.1%
+0.0% YoY+0.6% QoQ
 +3.6% 3.6%
+6.9% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 0.1% in tier
Efficiency Ratio 63.2%
+16.2% YoY+3.9% QoQ
 -14.1% 77.3%
-3.0% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 Bottom 12.1% in tier
Delinquency Rate 2.3%
-18.7% YoY-20.0% QoQ
 +1.5 0.9%
+7.6% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 Top 4.4% in tier
Loan To Share 96.2%
-6.4% YoY-8.5% QoQ
 +23.5% 72.7%
-1.5% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 Top 6.4% in tier
AMR $14,324
+14.6% YoY+17.6% QoQ
 $-10K $24,363
+2.9% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 7.6% in tier
CD Concentration 23.9%
+67.2% YoY+39.2% QoQ
 -0.5% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#5 of 603 • Top 0.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 30.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.31%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#7 of 430 • Top 0.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 30.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth
#19 of 627 • Top 1.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.31%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 30.22%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Wallet Share Momentum

growth
#48 of 1006 • Top 1.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 14.58%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#546 of 1006 • Top 19.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 14.58%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $806.46
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk
#43 of 258 • Bottom 5.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.24%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 44.32%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Margin Compression

decline
#25 of 136 • Bottom 5.7% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.31%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.64% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $140.19M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Cost Spiral

risk
#19 of 62 • Bottom 7.4% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 8.79% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $140.19M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 7.14%
Peer Avg: 3.58%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
6
Deposit Growth Rate
growth
Value: 54.22%
Peer Avg: 4.69%
#6 of 1077 Top 0.5% in 100M-500M tier
8
Asset Growth Rate
growth
Value: 52.64%
Peer Avg: 4.70%
#8 of 1077 Top 0.6% in 100M-500M tier
10
Loan Growth Rate
growth
Value: 44.32%
Peer Avg: 3.45%
#10 of 1077 Top 0.8% in 100M-500M tier
16
Member Growth Rate
growth
Value: 30.22%
Peer Avg: 0.72%
#16 of 1077 Top 1.4% in 100M-500M tier
39
AMR Growth Rate
growth
Value: 14.58%
Peer Avg: 3.64%
#39 of 1077 Top 3.5% in 100M-500M tier
69
Loan-to-Share Ratio
balance_sheet
Value: 96.24%
Peer Avg: 72.70%
#69 of 1077 Top 6.3% in 100M-500M tier
131
Efficiency Ratio
profitability
Value: 63.19%
Peer Avg: 77.28%
#131 of 1077 Top 12.1% in 100M-500M tier
186
Return on Assets (ROA)
profitability
Value: 1.31%
Peer Avg: 0.79%
#186 of 1077 Top 17.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1051
Net Charge-Off Rate
risk
Value: 1.70%
Peer Avg: 0.47%
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1031
Total Delinquency Rate (60+ days)
risk
Value: 2.34%
Peer Avg: 0.86%
#1031 of 1077 Bottom 4.4% in 100M-500M tier
995
Average Member Relationship (AMR)
engagement
Value: $14,324
Peer Avg: $24,363
#995 of 1077 Bottom 7.7% in 100M-500M tier
973
Fee Income Per Member
profitability
Value: $86.24
Peer Avg: $174.31
#973 of 1077 Bottom 9.7% in 100M-500M tier
829
Loan-to-Member Ratio (LMR)
engagement
Value: $7,025
Peer Avg: $10,245
#829 of 1077 Bottom 23.1% in 100M-500M tier