CENTRAL ONE

Charter #8218 | MA

750M-1B (112 CUs) Community (281 CUs)
5 750M-1B in MA

CENTRAL ONE has 3 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.8% in tier
  • + Wallet Share Momentum: Top 20.1% 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
  • - Growth-at-Risk: 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
 Bottom 22.3% in tier
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
 42nd in tier
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
 70th in tier
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
 29th in tier
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
 50th in tier
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
 Bottom 21.4% in tier
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
 60th in tier
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
 63rd in tier
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
 Top 16.1% in tier
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
 Top 19.6% in tier
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
 -13.1% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#242 of 1006 • Top 8.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.25%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#555 of 1006 • Top 20.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.25%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Liquidity Strain

risk
#107 of 258 • Bottom 13.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.76%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.87%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Credit Quality Pressure

risk
#400 of 736 • Bottom 16.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Growth-at-Risk

risk
#285 of 446 • Bottom 19.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.87%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (5 metrics)

11
Net Charge-Off Rate
risk
Value: 0.13%
Peer Avg: 0.61%
#11 of 112 Top 8.9% in 750M-1B tier
17
Loan-to-Member Ratio (LMR)
engagement
Value: $16,964
Peer Avg: $12,810
#17 of 112 Top 14.3% in 750M-1B tier
18
Loan-to-Share Ratio
balance_sheet
Value: 96.76%
Peer Avg: 82.66%
#18 of 112 Top 15.2% in 750M-1B tier
22
Average Member Relationship (AMR)
engagement
Value: $34,496
Peer Avg: $28,651
#22 of 112 Top 18.8% in 750M-1B tier
27
Indirect Auto Concentration (%)
balance_sheet
Value: 0.82%
Peer Avg: 16.60%
#27 of 112 Top 23.2% in 750M-1B tier

Top Weaknesses (4 metrics)

101
Share Certificate Concentration (%)
balance_sheet
Value: 38.65%
Peer Avg: 28.34%
#101 of 112 Bottom 10.7% in 750M-1B tier
91
First Mortgage Concentration (%)
balance_sheet
Value: 46.04%
Peer Avg: 33.64%
#91 of 112 Bottom 19.6% in 750M-1B tier
88
Net Interest Margin (NIM)
profitability
Value: 2.90%
Peer Avg: 3.38%
#88 of 112 Bottom 22.3% in 750M-1B tier
87
Total Members
engagement
Value: 39,525
Peer Avg: 52,114
#87 of 112 Bottom 23.2% in 750M-1B tier