BlastPoint's Credit Union Scorecard
CENTURY
Charter #60435 · MO
CENTURY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.17% above tier average
- + Loan Growth Rate: Top 6.9% in tier
- + Net Worth Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% 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 22 that size in Missouri.
- Shares and deposits +8.7% year over year ($149M in shares and deposits).
- Membership: 9,611 members, +4.4% vs a year ago.
- Delinquency rate 0.37%.
- Return on assets 1.04%.
- Efficiency ratio 69.47% vs a 76.73% peer average.
- Loan-to-share ratio 75.21% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,611
+4.4% YoY+1.2% QoQ
|
-5.6K |
15,168
-2.6% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$182.0M
+8.4% YoY+1.7% QoQ
|
$-50.0M |
$232.0M
+0.7% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$112.2M
+15.0% YoY+4.6% QoQ
|
$-34.1M |
$146.3M
+0.2% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
43% |
| Deposits |
$149.2M
+8.7% YoY+1.7% QoQ
|
$-51.5M |
$200.7M
+0.2% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
1.0%
-34.8% YoY+6.7% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.3%
-0.7% YoY+1.2% QoQ
|
-0.4% |
3.7%
+4.5% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
69.5%
+20.9% YoY-1.0% QoQ
|
-7.3% |
76.7%
-0.8% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.4%
+27.9% YoY-5.2% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
25% |
| Loan To Share |
75.2%
+5.8% YoY+2.8% QoQ
|
+3.7% |
71.5%
-0.3% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$27,197
+6.6% YoY+1.7% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
18.1%
+17.8% YoY+6.2% QoQ
|
-6.4% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
13.6%
+96.9% YoY+7.9% QoQ
|
+0.0% | 13.6% | 9.9% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). 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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)