BlastPoint's Credit Union Scorecard

CENT

Charter #65238 · IA

1069 CUs in 100M-500M nationally 17 in IA

CENT has 3 strengths but faces 10 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 82.8% in tier
+ Organic Growth Leader: Top 99.1% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 26.5% in tier
- Capital Constraint: Bottom 27.3% in tier
- Efficiency Drag: Bottom 32.8% in tier
- Shrinking Wallet Share: Bottom 67.2% in tier
- Credit Risk Growth: Bottom 93.4% in tier
- Credit Quality Pressure: Bottom 98.0% in tier
- ROA 0.08% below tier average
- Efficiency ratio 5.05% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.5% in tier
- Asset Growth Rate: Bottom 3.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,425 +0.5% YoY-0.8% QoQ	-4.0K	15,437 -2.9% YoY	24,743 -0.2% YoY	33,374 +5.7% YoY	39%
Assets	$162.0M -4.3% YoY-3.5% QoQ	$-69.9M	$231.9M +1.3% YoY	$526.3M +6.5% YoY	$561.6M +9.7% YoY	35%
Loans	$126.9M +4.3% YoY-0.4% QoQ	$-20.4M	$147.3M -0.1% YoY	$422.1M +6.5% YoY	$397.0M +8.8% YoY	52%
Deposits	$141.0M -5.6% YoY-4.0% QoQ	$-59.8M	$200.8M +0.8% YoY	$432.9M +5.9% YoY	$477.3M +9.7% YoY	36%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.7% -10.5% YoY+1.0% QoQ	-0.1%	0.8% +18.2% YoY	0.9% +6.1% YoY	0.7% +15.9% YoY	43%
NIM	3.4% +10.3% YoY+5.2% QoQ	-0.2%	3.6% +6.7% YoY	3.9% +6.4% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	82.1% +7.0% YoY-1.2% QoQ	+5.1%	77.0% -3.1% YoY	74.3% -0.8% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	0.3% +2.5% YoY-21.8% QoQ	-0.5	0.9% +4.2% YoY	1.4% +32.5% YoY	1.3% -2.1% YoY	20%
Loan To Share	90.0% +10.5% YoY+3.7% QoQ	+17.8%	72.2% -1.1% YoY	76.3% -0.8% YoY	67.4% -1.7% YoY	Top 13.9% in tier
AMR	$23,451 -1.7% YoY-1.6% QoQ	$-1K	$24,676 +3.4% YoY	$21,029 +4.7% YoY	$19,687 +2.0% YoY	54%
CD Concentration	22.7% -41.7% YoY-25.8% QoQ	-1.7%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#493 of 595 • Top 82.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.53%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.68%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#422 of 426 • Top 99.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.53%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (6)

Deposit Outflow

decline

#19 of 69 • Bottom 26.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -5.64%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Capital Constraint

risk

#7 of 23 • Bottom 27.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 90.00%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -5.64%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 12.59%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Efficiency Drag

risk

#177 of 538 • Bottom 32.8% in tier

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

Why This Signature

Efficiency Ratio: 82.07%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#140 of 208 • Bottom 67.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.71%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Risk Growth

risk

#426 of 456 • Bottom 93.4% in tier

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

Why This Signature

Loan Growth (YoY): 4.28%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#691 of 705 • Bottom 98.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

149

Loan-to-Share Ratio

balance_sheet

Value: 90.00%

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

165

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

213

Total Delinquency Rate (60+ days)

risk

Value: 0.35%

Peer Median: -

#213 of 1069 Top 19.8% in 100M-500M tier

253

Members Per Employee (MPE)

engagement

Value: 380.833

Peer Median: -

#253 of 1069 Top 23.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1043

Deposit Growth Rate

growth

Value: -5.64%

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

1037

Asset Growth Rate

growth

Value: -4.34%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

952

AMR Growth Rate

growth

Value: -1.71%

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

909

First Mortgage Concentration (%)

balance_sheet

Value: 48.83%

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier

872

Fee Income Per Member

profitability

Value: $108.49

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier