BlastPoint's Credit Union Scorecard
CENTURY
Charter #60435 · MO
CENTURY has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.2% in tier
- + Emerging Performer: Top 9.4% in tier
- + Organic Growth Leader: Top 16.2% in tier
- + Wallet Share Momentum: Top 43.2% in tier
- + ROA 0.66% above tier average
- + Strong member growth: 5.6% YoY
- + Loan Growth Rate: Top 3.6% in tier
- + Net Worth Ratio: Top 5.6% in tier
- + Member Growth Rate: Top 8.1% in tier
- + Efficiency Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19.3% in tier
- - Liquidity Overhang: Bottom 54.5% in tier
- - Credit Quality Pressure: Bottom 59.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,454
+5.6% YoY+1.4% QoQ
|
-6.0K |
15,437
-2.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$172.9M
+10.0% YoY+1.3% QoQ
|
$-59.0M |
$231.9M
+1.3% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$105.6M
+20.2% YoY+4.0% QoQ
|
$-41.8M |
$147.3M
-0.1% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$141.0M
+10.3% YoY+1.3% QoQ
|
$-59.8M |
$200.8M
+0.8% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.4%
+7.6% YoY-15.1% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Top 12.7% in tier |
| NIM |
3.2%
-2.2% YoY-2.6% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
62.1%
-1.1% YoY+7.2% QoQ
|
-14.9% |
77.0%
-3.1% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate |
0.7%
+27.0% YoY+196.5% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
74.9%
+9.0% YoY+2.7% QoQ
|
+2.7% |
72.2%
-1.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$26,079
+8.3% YoY+1.0% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
16.4%
+9.2% YoY+4.3% QoQ
|
-8.0% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
10.9%
+1858.5% YoY+25.9% QoQ
|
-2.9% | 13.8% | 10.0% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)