BlastPoint's Credit Union Scorecard
CENTRAL ONE
Charter #8218 · MA
CENTRAL ONE has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 56.6% in tier
- + Net Charge-Off Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.7% in tier
- - Credit Quality Pressure: Bottom 16.1% in tier
- - Credit Risk Growth: Bottom 19.0% in tier
- - ROA 0.00% below tier average
- - Efficiency ratio 3.93% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,525
+0.2% YoY+0.6% QoQ
|
-12.6K |
52,114
-2.1% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$835.9M
+4.2% YoY-0.1% QoQ
|
$-23.1M |
$859.0M
+0.0% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$670.5M
+4.9% YoY+1.8% QoQ
|
+$67.1M |
$603.4M
+1.0% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$693.0M
+4.1% YoY-1.4% QoQ
|
$-41.2M |
$734.2M
+0.9% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
29% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-17.4% YoY+5.0% QoQ
|
-0.0% |
0.7%
+27.6% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
2.9%
+2.8% YoY+1.8% QoQ
|
-0.5% |
3.4%
+9.6% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
78.4%
+5.7% YoY-0.8% QoQ
|
+3.9% |
74.5%
-3.2% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.8%
+26.7% YoY+35.2% QoQ
|
-0.0 |
0.8%
+5.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
96.8%
+0.7% YoY+3.2% QoQ
|
+14.1% |
82.7%
+0.1% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
84% |
| AMR |
$34,496
+4.2% YoY-0.4% QoQ
|
+$6K |
$28,651
+2.5% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
38.6%
+6.6% YoY+2.1% QoQ
|
+14.2% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
Top 9.6% in tier |
| Indirect Auto % |
0.8%
-15.3% YoY-3.7% QoQ
|
-13.2% |
14.0%
-5.7% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
35% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)