BlastPoint's Credit Union Scorecard

CENT

Charter #65238 · IA

1077 CUs in 100M-500M nationally 17 in IA

CENT has 4 strengths but faces 4 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 Leader: Top 17.8% in tier
+ Organic Growth Engine: Top 20.2% in tier
+ Emerging Performer: Top 89.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 17.7% in tier
- Efficiency Drag: Bottom 20.8% in tier
- ROA 0.11% below tier average
- Efficiency ratio 5.80% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,517 +2.2% YoY+0.6% QoQ	-4.1K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	39%
Assets	$167.8M +5.6% YoY-2.7% QoQ	$-63.5M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	38%
Loans	$127.5M +7.9% YoY+2.3% QoQ	$-20.3M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	51%
Deposits	$146.9M +4.9% YoY-3.4% QoQ	$-53.4M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -25.8% YoY+11.8% QoQ	-0.1%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	44%
NIM	3.3% +2.8% YoY+4.9% QoQ	-0.3%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	30%
Efficiency Ratio	83.1% +12.2% YoY-1.1% QoQ	+5.8%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	71%
Delinquency Rate	0.4% -6.0% YoY+268.9% QoQ	-0.4	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	32%
Loan To Share	86.8% +2.8% YoY+5.9% QoQ	+14.1%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	78%
AMR	$23,825 +4.0% YoY-1.5% QoQ	$-538	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	59%
CD Concentration	30.6% -12.1% YoY-15.4% QoQ	+6.2%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#236 of 430 • Top 17.8% in tier

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

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#371 of 603 • Top 20.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.21%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.67%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#170 of 191 • Top 89.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.67%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 2.21%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (2)

Cost Spiral

risk

#44 of 62 • Bottom 17.7% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 9.06% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 51.87%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Efficiency Drag

risk

#368 of 521 • Bottom 20.8% in tier

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

Why This Signature

Efficiency Ratio: 83.07%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.21%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | 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 1077 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

141

Net Charge-Off Rate

risk

Value: 0.08%

Peer Avg: -

#141 of 1077 Top 13.0% in 100M-500M tier

233

Loan-to-Share Ratio

balance_sheet

Value: 86.77%

Peer Avg: -

#233 of 1077 Top 21.5% in 100M-500M tier

249

Loan Growth Rate

growth

Value: 7.88%

Peer Avg: -

#249 of 1077 Top 23.0% in 100M-500M tier

Top Weaknesses (2 metrics)

917

First Mortgage Concentration (%)

balance_sheet

Value: 48.49%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

872

Fee Income Per Member

profitability

Value: $108.36

Peer Avg: -

#872 of 1077 Bottom 19.1% in 100M-500M tier