BlastPoint's Credit Union Scorecard

CENT

Charter #65238 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

CENT has 3 strengths but faces 6 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.09% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Deposit Growth Rate: Bottom 2.4% in tier
- Asset Growth Rate: Bottom 3.1% in tier
- AMR Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,472 +0.8% YoY+0.4% QoQ	-3.7K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	41%
Assets	$165.9M -5.1% YoY+2.4% QoQ	$-65.8M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	38%
Loans	$127.5M +4.1% YoY+0.4% QoQ	$-16.7M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	53%
Deposits	$144.5M -6.7% YoY+2.5% QoQ	$-56.6M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	37%

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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	0.8% +104.9% YoY+19.6% QoQ	+0.1%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	58%
NIM	3.6% +20.2% YoY+4.9% QoQ	+0.0%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	75.4% -15.2% YoY-8.2% QoQ	-2.7%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	39%
Delinquency Rate	0.3% -12.5% YoY-18.2% QoQ	-0.5	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	21%
Loan To Share	88.2% +11.5% YoY-2.0% QoQ	+17.8%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 14.0% in tier
AMR	$23,705 -2.6% YoY+1.1% QoQ	$-1K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	55%
CD Concentration	19.5% -47.9% YoY-14.0% QoQ	-4.7%	24.3%	21.8%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#256 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.76%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.82%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#340 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.76%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Deposit Outflow

decline

#16 of 72 • Bottom 50.0% 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): -6.66%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.76%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#123 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -2.64%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Capital Constraint

risk

#9 of 16 • Bottom 50.0% 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: 88.21%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -6.66%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 12.50%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

150

Loan-to-Share Ratio

balance_sheet

Value: 88.21%

Peer Median: 71.88%

#150 of 1070 Top 13.9% in 100M-500M tier

187

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#187 of 1070 Top 17.4% in 100M-500M tier

223

Total Delinquency Rate (60+ days)

risk

Value: 0.28%

Peer Median: 0.61%

#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1045

Deposit Growth Rate

growth

Value: -6.66%

Peer Median: 3.30%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1038

Asset Growth Rate

growth

Value: -5.10%

Peer Median: 3.91%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

968

AMR Growth Rate

growth

Value: -2.64%

Peer Median: 3.46%

#968 of 1070 Bottom 9.6% in 100M-500M tier

902

First Mortgage Concentration (%)

balance_sheet

Value: 48.53%

Peer Median: 29.47%

#902 of 1070 Bottom 15.8% in 100M-500M tier

889

Fee Income Per Member

profitability

Value: $96.52

Peer Median: $154.95

#889 of 1070 Bottom 17.0% in 100M-500M tier