BlastPoint's Credit Union Scorecard

CENTURYFIRST

Charter #24668 · MS

1077 CUs in 100M-500M nationally 12 in MS

CENTURYFIRST has 15 strengths but faces 8 concerns

National Analysis

How does the industry compare?

MS Analysis

How does MS stack up?

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 6.8% in tier
+ Wallet Share Momentum: Top 9.8% in tier
+ Profitability Leader: Top 65.2% 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	62%
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	26%
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	44%
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	25%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	83%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	2.5% +12.7% YoY	7.9% -2.9% YoY	50%

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: 13.97%, 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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 30.22%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth

#14 of 191 • Top 6.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

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

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#48 of 481 • Top 9.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 14.58%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Profitability Leader

growth

#222 of 340 • Top 65.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.31%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.64% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 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: 3.65%, 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

Profitability above 0.75% ROA but margins eroding by at least 0.10%. 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 (Prior Year): 1.94%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.64% points

(Tier: 0.11% points, National: 0.05% points)

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 (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

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): 47.54%

(Tier: 59.95%, National: 63.68%)

but better 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

Net Interest Margin (NIM)

profitability

Value: 7.14%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 54.22%

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 52.64%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

Loan Growth Rate

growth

Value: 44.32%

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

Member Growth Rate

growth

Value: 30.22%

Peer Avg: -

#16 of 1077 Top 1.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.58%

Peer Avg: -

#39 of 1077 Top 3.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.24%

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

131

Efficiency Ratio

profitability

Value: 63.19%

Peer Avg: -

#131 of 1077 Top 12.1% in 100M-500M tier

186

Return on Assets (ROA)

profitability

Value: 1.31%

Peer Avg: -

#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: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1031

Total Delinquency Rate (60+ days)

risk

Value: 2.34%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

995

Average Member Relationship (AMR)

engagement

Value: $14,324

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

973

Fee Income Per Member

profitability

Value: $86.24

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

829

Loan-to-Member Ratio (LMR)

engagement

Value: $7,025

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier