BlastPoint's Credit Union Scorecard

CENTURY

Charter #5852 · OH

100M-500M

1024 CUs in 100M-500M nationally 40 in OH

CENTURY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Deposits: Top 2.3% in tier
+ Total Assets: Top 2.4% in tier
+ Total Loans: Top 2.7% in tier
+ Total Members: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.51% below tier average
- Efficiency ratio 10.58% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 4.5% 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 40 that size in Ohio.
Shares and deposits +3.5% year over year ($414M in shares and deposits).
Membership: 29,029 members, -0.6% vs a year ago.
Delinquency rate 0.63%.
Return on assets 0.35%.
Efficiency ratio 87.31% vs a 76.73% peer average.
Loan-to-share ratio 81.88% 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 (OH)	National Avg	Tier Percentile
Members	29,029 -0.6% YoY-0.4% QoQ	+13.9K	15,168 -2.6% YoY	18,978 +16.2% YoY	34,678 +6.6% YoY	Top 7.3% in tier
Assets	$469.9M +5.6% YoY-1.0% QoQ	+$237.9M	$232.0M +0.7% YoY	$292.1M +20.6% YoY	$593.1M +10.2% YoY	Top 2.5% in tier
Loans	$339.3M +8.9% YoY+2.5% QoQ	+$193.0M	$146.3M +0.2% YoY	$203.0M +21.8% YoY	$418.6M +10.1% YoY	Top 2.8% in tier
Deposits	$414.4M +3.5% YoY-0.7% QoQ	+$213.7M	$200.7M +0.2% YoY	$251.0M +21.0% YoY	$504.8M +10.3% YoY	Top 2.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -5.7% YoY-50.6% QoQ	-0.5%	0.9% +12.5% YoY	0.9% +55.0% YoY	1.2% +121.4% YoY	18%
NIM	3.5% +0.3% YoY+1.5% QoQ	-0.2%	3.7% +4.5% YoY	3.7% +2.2% YoY	3.8% +2.3% YoY	39%
Efficiency Ratio	87.3% -0.1% YoY+8.8% QoQ	+10.6%	76.7% -0.8% YoY	79.2% -2.1% YoY	83.0% -5.3% YoY	82%
Delinquency Rate	0.6% +35.3% YoY+5.6% QoQ	-0.3	0.9% +6.6% YoY	1.1% -6.2% YoY	1.3% +2.6% YoY	45%
Loan To Share	81.9% +5.3% YoY+3.2% QoQ	+10.3%	71.5% -0.3% YoY	60.7% -4.2% YoY	66.4% -1.4% YoY	69%
AMR	$25,965 +6.5% YoY+1.1% QoQ	+$858	$25,107 +3.2% YoY	$18,171 +7.2% YoY	$20,028 -0.9% YoY	65%
CD Concentration	23.3% +19.2% YoY+1.3% QoQ	-1.3%	24.6%	19.2%	20.0%	50%
Indirect Auto %	1.7% -4.5% YoY+38.5% QoQ	-11.9%	13.6%	11.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#338 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): 6.49%

(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 | Rank worsening

Concerns (5)

Efficiency Drag

risk

#20 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.31%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.02% points

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

worse than tier avg

Member Growth (YoY): -0.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#154 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.90%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#386 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Membership Headwinds

decline

#524 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Stagnation Risk

risk

#535 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 8.90%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.63%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

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 (5 metrics)

Total Deposits

balance_sheet

Value: $414.42M

Peer Median: $170.77M

#25 of 1024 Top 2.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $469.88M

Peer Median: $196.38M

#26 of 1024 Top 2.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $339.31M

Peer Median: $124.04M

#29 of 1024 Top 2.7% in 100M-500M tier

Total Members

engagement

Value: 29,029

Peer Median: 13,128

#75 of 1024 Top 7.2% in 100M-500M tier

211

Loan Growth Rate

growth

Value: 8.90%

Peer Median: 3.02%

#211 of 1024 Top 20.5% in 100M-500M tier

Top Weaknesses (3 metrics)

979

First Mortgage Concentration (%)

balance_sheet

Value: 64.13%

Peer Median: 29.92%

#979 of 1024 Bottom 4.5% in 100M-500M tier

844

Efficiency Ratio

profitability

Value: 87.31%

Peer Median: 77.26%

#844 of 1024 Bottom 17.7% in 100M-500M tier

839

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Median: 0.75%

#839 of 1024 Bottom 18.2% in 100M-500M tier