BlastPoint's Credit Union Scorecard

CENTURYFIRST

Charter #24668 · MS

100M-500M

1024 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 1.85% above tier average
+ Strong member growth: 25.8% YoY
+ Deposit Growth Rate: Top 0.1% in tier
+ Asset Growth Rate: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Delinquency rate 0.92% above tier average
- Average Member Relationship (AMR): Bottom 8.1% in tier
- Total Delinquency Rate (60+ days): Bottom 9.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Mississippi.
Shares and deposits +64.7% year over year ($125M in shares and deposits).
Membership: 16,069 members, +25.8% vs a year ago.
Delinquency rate 1.80%.
Return on assets 0.88%.
Efficiency ratio 69.60% vs a 76.73% peer average.
Loan-to-share ratio 88.86% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Members	16,069 +25.8% YoY-0.5% QoQ	+900	15,168 -2.6% YoY	15,019 +10.4% YoY	34,678 +6.6% YoY	63%
Assets	$144.9M +59.4% YoY+2.3% QoQ	$-87.1M	$232.0M +0.7% YoY	$179.3M +15.8% YoY	$593.1M +10.2% YoY	28%
Loans	$110.9M +39.2% YoY+0.7% QoQ	$-35.3M	$146.3M +0.2% YoY	$118.9M +12.9% YoY	$418.6M +10.1% YoY	42%
Deposits	$124.8M +64.7% YoY+4.1% QoQ	$-75.9M	$200.7M +0.2% YoY	$142.7M +16.5% YoY	$504.8M +10.3% YoY	27%

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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	0.9% -16.8% YoY+23.7% QoQ	+0.0%	0.9% +12.5% YoY	6.8% +536.0% YoY	1.2% +121.4% YoY	58%
NIM	5.5% -22.1% YoY-0.5% QoQ	+1.8%	3.7% +4.5% YoY	4.4% +0.2% YoY	3.8% +2.3% YoY	Top 0.8% in tier
Efficiency Ratio	69.6% +14.4% YoY-0.5% QoQ	-7.1%	76.7% -0.8% YoY	168.1% +110.0% YoY	83.0% -5.3% YoY	26%
Delinquency Rate	1.8% -38.5% YoY+25.2% QoQ	+0.9	0.9% +6.6% YoY	2.3% +20.5% YoY	1.3% +2.6% YoY	Bottom 9.3% in tier
Loan To Share	88.9% -15.5% YoY-3.2% QoQ	+17.3%	71.5% -0.3% YoY	65.7% -3.6% YoY	66.4% -1.4% YoY	83%
AMR	$14,673 +20.5% YoY+3.0% QoQ	$-10K	$25,107 +3.2% YoY	$12,280 +0.8% YoY	$20,028 -0.9% YoY	Bottom 8.0% in tier
CD Concentration	24.1% +40.7% YoY-3.5% QoQ	-0.4%	24.6%	19.9%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	2.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#6 of 342 • 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): 25.81%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Wallet Share Momentum

growth

#23 of 483 • 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): 20.49%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Engine

growth

#21 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 25.81%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.88%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#38 of 175 • 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: 0.88%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 25.81%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (2)

Cost Spiral

risk

#43 of 95 • 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: 8.76% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.84%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Margin Compression

decline

#130 of 140 • Bottom 50.0% 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: 0.88%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.06%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 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 1024 peers in tier

Top Strengths (8 metrics)

Deposit Growth Rate

growth

Value: 64.65%

Peer Median: 3.58%

#1 of 1024 Top 0.1% in 100M-500M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 59.39%

Peer Median: 4.12%

#2 of 1024 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 39.17%

Peer Median: 3.02%

#6 of 1024 Top 0.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.53%

Peer Median: 3.67%

#8 of 1024 Top 0.7% in 100M-500M tier

Member Growth Rate

growth

Value: 25.81%

Peer Median: -0.03%

#12 of 1024 Top 1.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 20.49%

Peer Median: 3.53%

#20 of 1024 Top 1.9% in 100M-500M tier

173

Loan-to-Share Ratio

balance_sheet

Value: 88.86%

Peer Median: 73.07%

#173 of 1024 Top 16.8% in 100M-500M tier

Top Weaknesses (5 metrics)

942

Average Member Relationship (AMR)

engagement

Value: $14,673

Peer Median: $23,006

#942 of 1024 Bottom 8.1% in 100M-500M tier

930

Total Delinquency Rate (60+ days)

risk

Value: 1.80%

Peer Median: 0.71%

#930 of 1024 Bottom 9.3% in 100M-500M tier

867

Net Charge-Off Rate

risk

Value: 0.79%

Peer Median: 0.34%

#867 of 1024 Bottom 15.4% in 100M-500M tier

837

Fee Income Per Member

profitability

Value: $105.68

Peer Median: $159.88

#837 of 1024 Bottom 18.4% in 100M-500M tier

799

Loan-to-Member Ratio (LMR)

engagement

Value: $6,904

Peer Median: $9,434

#799 of 1024 Bottom 22.1% in 100M-500M tier