BlastPoint's Credit Union Scorecard
CENTURY
Charter #60435 · MO
CENTURY has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.8% in tier
- + Organic Growth Leader: Top 10.6% in tier
- + Emerging Performer: Top 13.7% in tier
- + Profitability Leader: Top 28.0% in tier
- + Wallet Share Momentum: Top 37.5% in tier
- + Credit Quality Leader: Top 57.2% in tier
- + ROA 0.88% above tier average
- + Net Worth Ratio: Top 5.1% in tier
- + Loan Growth Rate: Top 5.6% in tier
- + Efficiency Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,321
+3.4% YoY+1.2% QoQ
|
-6.3K |
15,628
-3.4% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$170.7M
+9.3% YoY+1.6% QoQ
|
$-60.6M |
$231.3M
-0.0% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$101.5M
+16.6% YoY+4.0% QoQ
|
$-46.3M |
$147.8M
-1.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$139.2M
+9.3% YoY+1.4% QoQ
|
$-61.1M |
$200.3M
-0.0% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
1.7%
+25.5% YoY+5.1% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Top 7.8% in tier |
| NIM |
3.3%
-0.1% YoY+0.8% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
57.9%
-7.5% YoY+0.7% QoQ
|
-19.4% |
77.3%
-3.0% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
0.3%
-44.5% YoY-14.1% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
72.9%
+6.7% YoY+2.6% QoQ
|
+0.2% |
72.7%
-1.5% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$25,825
+8.6% YoY+1.3% QoQ
|
+$1K |
$24,363
+2.9% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
15.8%
+11.5% YoY+2.3% QoQ
|
-8.7% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.7%
+2696.3% YoY+25.3% QoQ
|
-5.3% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (6)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)