BlastPoint's Credit Union Scorecard

CENTURYFIRST

Charter #24668 · MS

100M-500M

1070 CUs in 100M-500M nationally 10 in MS

CENTURYFIRST has 8 strengths but faces 5 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 Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 1.93% above tier average
+ Strong member growth: 26.7% YoY
+ Deposit Growth Rate: Top 0.4% in tier
+ Asset Growth Rate: Top 0.5% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.67% above tier average
- Average Member Relationship (AMR): Bottom 7.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	16,149 +26.7% YoY+25.8% QoQ	+1.0K	15,145 -2.5% YoY	14,925 +15.2% YoY	33,913 +5.7% YoY	64%
Assets	$141.7M +51.8% YoY+3.1% QoQ	$-90.1M	$231.7M +0.8% YoY	$177.9M +19.7% YoY	$578.3M +9.0% YoY	26%
Loans	$110.1M +39.9% YoY-2.7% QoQ	$-34.0M	$144.1M +0.2% YoY	$116.7M +17.0% YoY	$402.4M +8.7% YoY	43%
Deposits	$120.0M +51.2% YoY+3.5% QoQ	$-81.2M	$201.1M +0.4% YoY	$143.1M +20.8% YoY	$494.3M +9.1% YoY	24%

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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	0.7% -38.5% YoY-38.8% QoQ	+0.0%	0.7% +5.1% YoY	-8.8% -1402.3% YoY	0.4% -39.2% YoY	52%
NIM	5.6% -20.9% YoY-6.1% QoQ	+1.9%	3.6% +4.6% YoY	4.5% +3.7% YoY	3.8% +4.1% YoY	Top 0.8% in tier
Efficiency Ratio	70.0% +16.3% YoY+8.8% QoQ	-8.1%	78.0% -1.7% YoY	182.9% +107.2% YoY	84.6% +2.8% YoY	25%
Delinquency Rate	1.4% -44.6% YoY-30.4% QoQ	+0.7	0.8% +7.1% YoY	2.1% +3.6% YoY	1.2% +3.4% YoY	Bottom 11.7% in tier
Loan To Share	91.8% -7.5% YoY-6.0% QoQ	+21.4%	70.4% -0.4% YoY	65.1% -3.9% YoY	65.6% -1.4% YoY	Top 8.9% in tier
AMR	$14,249 +14.9% YoY-20.1% QoQ	$-11K	$24,918 +2.7% YoY	$12,313 +3.4% YoY	$19,920 +1.6% YoY	Bottom 7.0% in tier
CD Concentration	25.0% +53.3% YoY+2.0% QoQ	+0.7%	24.3%	19.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#9 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 26.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Wallet Share Momentum

growth

#48 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 14.87%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth

#37 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 26.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#60 of 157 • Top 50.0% 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: 0.71%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 26.73%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Cost Spiral

risk

#32 of 83 • Bottom 50.0% 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: 9.80% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 50.78%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Liquidity Strain

risk

#82 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.82%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 39.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Liquidity Overhang

risk

#123 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.41%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 91.82%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 51.24%

Peer Median: 3.30%

#5 of 1070 Top 0.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 51.80%

Peer Median: 3.91%

#6 of 1070 Top 0.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.56%

Peer Median: 3.62%

#9 of 1070 Top 0.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 39.86%

Peer Median: 2.93%

#9 of 1070 Top 0.7% in 100M-500M tier

Member Growth Rate

growth

Value: 26.73%

Peer Median: -0.06%

#17 of 1070 Top 1.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 14.87%

Peer Median: 3.46%

#38 of 1070 Top 3.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.82%

Peer Median: 71.88%

#95 of 1070 Top 8.8% in 100M-500M tier

100

Net Worth Ratio

risk

Value: 16.41%

Peer Median: 11.45%

#100 of 1070 Top 9.3% in 100M-500M tier

264

Efficiency Ratio

profitability

Value: 69.97%

Peer Median: 78.68%

#264 of 1070 Top 24.6% in 100M-500M tier

Top Weaknesses (6 metrics)

995

Average Member Relationship (AMR)

engagement

Value: $14,249

Peer Median: $22,931

#995 of 1070 Bottom 7.1% in 100M-500M tier

960

Net Charge-Off Rate

risk

Value: 1.06%

Peer Median: 0.35%

#960 of 1070 Bottom 10.4% in 100M-500M tier

946

Total Delinquency Rate (60+ days)

risk

Value: 1.44%

Peer Median: 0.61%

#946 of 1070 Bottom 11.7% in 100M-500M tier

898

Fee Income Per Member

profitability

Value: $95.87

Peer Median: $154.95

#898 of 1070 Bottom 16.2% in 100M-500M tier

843

Loan-to-Member Ratio (LMR)

engagement

Value: $6,821

Peer Median: $9,356

#843 of 1070 Bottom 21.3% in 100M-500M tier

812

Total Deposits

balance_sheet

Value: $119.96M

Peer Median: $171.29M

#812 of 1070 Bottom 24.2% in 100M-500M tier