BlastPoint's Credit Union Scorecard
CENTRAL ONE
Charter #8218 · MA
CENTRAL ONE has 1 strength but faces 6 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 44.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.0% in tier
- - Efficiency Drag: Bottom 34.3% in tier
- - Credit Risk Growth: Bottom 34.9% in tier
- - Credit Quality Pressure: Bottom 37.6% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 7.30% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 6 that size in Massachusetts.
- Shares and deposits +2.9% year over year ($723M in shares and deposits).
- Membership: 39,412 members, +0.3% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.59%.
- Efficiency ratio 81.84% vs a 74.54% peer average.
- Loan-to-share ratio 96.64% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
39,412
+0.3% YoY+0.8% QoQ
|
-13.1K |
52,482
+1.3% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$872.1M
+4.2% YoY-1.2% QoQ
|
+$8.1M |
$863.9M
+0.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$698.7M
+6.1% YoY-0.4% QoQ
|
+$90.9M |
$607.8M
+2.1% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$723.0M
+2.9% YoY-1.7% QoQ
|
$-16.9M |
$739.9M
+0.2% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.6%
-13.1% YoY+8.4% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
39% |
| NIM |
3.0%
+5.2% YoY+2.1% QoQ
|
-0.5% |
3.5%
+6.2% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
81.8%
+3.5% YoY-1.1% QoQ
|
+7.3% |
74.5%
-1.4% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
0.7%
+16.9% YoY+78.3% QoQ
|
-0.1 |
0.8%
+1.0% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
96.6%
+3.1% YoY+1.3% QoQ
|
+14.0% |
82.6%
+1.9% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
85% |
| AMR |
$36,072
+4.1% YoY-1.8% QoQ
|
+$7K |
$28,702
+0.4% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
36.4%
-3.8% YoY-0.6% QoQ
|
+11.9% | 24.6% | 25.4% | 20.0% | Top 12.5% in tier |
| Indirect Auto % |
0.8%
-10.2% YoY+2.0% QoQ
|
-12.9% | 13.6% | 2.4% | 7.7% | 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 (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)