BlastPoint's Credit Union Scorecard
CENCAP
Charter #6733 · CT
CENCAP has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 3.35% below tier average
- - Efficiency ratio 53.09% above tier (higher cost structure)
- - Delinquency rate 1.35% above tier average
- - Member decline: -3.9% YoY
- - Net Worth Ratio: Bottom 0.3% in tier
- - Asset Growth Rate: Bottom 2.0% in tier
- - Deposit Growth Rate: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,955
-3.9% YoY-5.6% QoQ
|
+5.3K |
2,625
-2.2% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
Top 3.9% in tier |
| Assets |
$33.4M
-14.3% YoY-9.3% QoQ
|
+$3.5M |
$29.9M
+1.1% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$24.1M
-7.0% YoY+3.0% QoQ
|
+$8.3M |
$15.8M
-2.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$32.2M
-11.3% YoY-9.1% QoQ
|
+$6.7M |
$25.5M
+0.4% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
-2.7%
+751.3% YoY-13.6% QoQ
|
-3.3% |
0.7%
-731.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.4% in tier |
| NIM |
5.5%
+16.2% YoY+7.9% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
134.5%
+28.8% YoY-0.8% QoQ
|
+53.1% |
81.4%
-2.4% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
2.9%
+30.1% YoY+10.4% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
Top 12.8% in tier |
| Loan To Share |
74.9%
+4.9% YoY+13.3% QoQ
|
+13.7% |
61.2%
-3.0% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$7,072
-5.9% YoY+1.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
15% |
| CD Concentration |
13.6%
-21.1% YoY-10.4% QoQ
|
-10.8% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)