BlastPoint's Credit Union Scorecard
CENTURYFIRST
Charter #24668 · MS
CENTURYFIRST has 12 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 1.0% in tier
- + Organic Growth Engine: Top 33.3% in tier
- + Organic Growth Leader: Top 69.7% in tier
- + Emerging Performer: Top 72.9% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 2.32% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Asset Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Loan-to-Share Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.6% in tier
- - Margin Compression: Bottom 19.7% in tier
- - Cost Spiral: Bottom 20.0% in tier
- - Delinquency rate 1.18% above tier average
- - Net Charge-Off Rate: Bottom 4.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,842
+1.6% YoY-21.2% QoQ
|
-2.6K |
15,437
-2.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$137.3M
+48.1% YoY-2.0% QoQ
|
$-94.5M |
$231.9M
+1.3% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$113.2M
+41.3% YoY-1.2% QoQ
|
$-34.1M |
$147.3M
-0.1% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$115.9M
+47.9% YoY-2.6% QoQ
|
$-84.9M |
$200.8M
+0.8% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.2%
-37.0% YoY-10.7% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
5.9%
-16.6% YoY-17.0% QoQ
|
+2.3% |
3.6%
+6.7% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
64.3%
+15.5% YoY+1.7% QoQ
|
-12.7% |
77.0%
-3.1% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate |
2.1%
-44.1% YoY-11.7% QoQ
|
+1.2 |
0.9%
+4.2% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
Top 6.7% in tier |
| Loan To Share |
97.7%
-4.5% YoY+1.5% QoQ
|
+25.4% |
72.2%
-1.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 4.1% in tier |
| AMR |
$17,842
+42.2% YoY+24.6% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
24.5%
+55.0% YoY+2.7% QoQ
|
+0.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)