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 0.24% above tier average
- + Net Worth Ratio: Top 6.0% in tier
- + Loan Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,500
+4.6% YoY+0.5% QoQ
|
-5.6K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$178.9M
+9.0% YoY+3.5% QoQ
|
$-52.8M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$107.3M
+13.4% YoY+1.6% QoQ
|
$-36.9M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$146.6M
+9.3% YoY+4.0% QoQ
|
$-54.5M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
1.0%
-37.8% YoY-31.6% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
3.2%
-1.6% YoY-0.0% QoQ
|
-0.4% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
70.2%
+19.7% YoY+13.0% QoQ
|
-7.9% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.4%
+60.3% YoY-47.0% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
73.2%
+3.7% YoY-2.3% QoQ
|
+2.7% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$26,730
+6.1% YoY+2.5% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
17.1%
+10.5% YoY+3.9% QoQ
|
-7.2% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
12.6%
+199.8% YoY+15.7% QoQ
|
-1.2% | 13.8% | 9.8% | 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)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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 Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)