BlastPoint's Credit Union Scorecard

CENTRAL ONE

Charter #8218 · MA

Community 750M-1B

117 CUs in 750M-1B nationally 7 in MA

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CENTRAL ONE has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MA Analysis

How does MA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 25.1% in tier
+ Wallet Share Momentum: Top 25.1% in tier
+ Loan-to-Member Ratio (LMR): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.1% in tier
- Efficiency Drag: Bottom 34.7% in tier
- ROA 0.22% below tier average
- Efficiency ratio 7.22% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	39,109 +0.4% YoY+0.7% QoQ	-12.4K	51,500 +0.7% YoY	33,485 +24.8% YoY	33,913 +5.7% YoY	23%
Assets	$882.7M +5.0% YoY+2.8% QoQ	+$17.1M	$865.6M +0.9% YoY	$590.7M +35.2% YoY	$578.3M +9.0% YoY	58%
Loans	$701.3M +9.7% YoY+2.8% QoQ	+$106.1M	$595.3M +1.6% YoY	$447.1M +33.6% YoY	$402.4M +8.7% YoY	84%
Deposits	$735.3M +4.3% YoY+2.8% QoQ	$-6.9M	$742.2M +0.6% YoY	$496.3M +36.0% YoY	$494.3M +9.1% YoY	47%

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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	0.5% -7.4% YoY-12.9% QoQ	-0.2%	0.8% +45.0% YoY	0.7% +27.7% YoY	0.4% -39.2% YoY	44%
NIM	2.9% +3.8% YoY+1.2% QoQ	-0.5%	3.5% +6.1% YoY	3.3% +3.6% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	82.8% +1.9% YoY+2.5% QoQ	+7.2%	75.5% -3.4% YoY	80.2% -4.6% YoY	84.6% +2.8% YoY	75%
Delinquency Rate	0.4% -30.5% YoY-45.3% QoQ	-0.3	0.7% -0.1% YoY	0.7% -9.8% YoY	1.2% +3.4% YoY	29%
Loan To Share	95.4% +5.2% YoY-0.0% QoQ	+14.8%	80.6% +0.7% YoY	71.5% -1.7% YoY	65.6% -1.4% YoY	Top 12.8% in tier
AMR	$36,733 +6.4% YoY+2.1% QoQ	+$8K	$28,908 +0.7% YoY	$25,479 +3.4% YoY	$19,920 +1.6% YoY	Top 12.8% in tier
CD Concentration	36.6% -1.7% YoY-3.4% QoQ	+12.4%	24.3%	25.2%	19.8%	Top 11.7% in tier
Indirect Auto %	0.7% -20.6% YoY-2.6% QoQ	-13.1%	13.8%	2.3%	7.7%	35%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#94 of 257 • Top 25.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.43%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#335 of 491 • Top 25.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.43%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk

#134 of 596 • Bottom 34.7% in tier

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

Why This Signature

Efficiency Ratio: 82.75%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Liquidity Strain

risk

#42 of 183 • Bottom 5.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.38%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.70%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

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 117 peers in tier

Top Strengths (7 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,932

Peer Median: $11,598

#12 of 117 Top 9.4% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.38%

Peer Median: 84.41%

#15 of 117 Top 12.0% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $36,733

Peer Median: $26,209

#15 of 117 Top 12.0% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.47%

#16 of 117 Top 12.8% in 750M-1B tier

Total Loans

balance_sheet

Value: $701.31M

Peer Median: $618.21M

#19 of 117 Top 15.4% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.75%

Peer Median: 13.79%

#24 of 117 Top 19.7% in 750M-1B tier

Loan Growth Rate

growth

Value: 9.70%

Peer Median: 4.33%

#26 of 117 Top 21.4% in 750M-1B tier

Top Weaknesses (6 metrics)

102

Share Certificate Concentration (%)

balance_sheet

Value: 36.64%

Peer Median: 26.77%

#102 of 117 Bottom 13.7% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.47%

#92 of 117 Bottom 22.2% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 45.40%

Peer Median: 32.60%

#92 of 117 Bottom 22.2% in 750M-1B tier

Total Members

engagement

Value: 39,109

Peer Median: 51,712

#90 of 117 Bottom 23.9% in 750M-1B tier

Efficiency Ratio

profitability

Value: 82.75%

Peer Median: 77.38%

#89 of 117 Bottom 24.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 283.399

Peer Median: 328.468

#89 of 117 Bottom 24.8% in 750M-1B tier