BlastPoint's Credit Union Scorecard

CENTRAL ONE

Charter #8218 · MA

Community 750M-1B

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

View Community leaderboard →

CENTRAL ONE has 1 strength but faces 6 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 50.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 30.5% in tier
- Liquidity Strain: Bottom 44.0% in tier
- Credit Risk Growth: Bottom 72.3% in tier
- Credit Quality Pressure: Bottom 79.8% in tier
- ROA 0.12% below tier average
- Efficiency ratio 6.38% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MA)	National Avg	Tier Percentile
Members	38,833 +0.5% YoY-1.8% QoQ	-13.3K	52,084 -1.6% YoY	27,118 +2.4% YoY	33,374 +5.7% YoY	23%
Assets	$858.4M +4.7% YoY+2.7% QoQ	$-5.5M	$863.9M +0.5% YoY	$450.6M +5.5% YoY	$561.6M +9.7% YoY	48%
Loans	$682.0M +6.6% YoY+1.7% QoQ	+$76.2M	$605.8M +1.4% YoY	$346.1M +3.6% YoY	$397.0M +8.8% YoY	73%
Deposits	$714.9M +4.5% YoY+3.2% QoQ	$-22.4M	$737.3M +0.1% YoY	$377.7M +7.2% YoY	$477.3M +9.7% YoY	42%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +2.0% YoY-12.3% QoQ	-0.1%	0.7% +39.1% YoY	0.6% +6.8% YoY	0.7% +15.9% YoY	43%
NIM	2.9% +3.2% YoY+0.0% QoQ	-0.5%	3.4% +8.7% YoY	3.3% +4.1% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	80.7% +1.1% YoY+2.9% QoQ	+6.4%	74.3% -3.6% YoY	81.2% -12.2% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.7% +12.5% YoY-11.3% QoQ	-0.2	0.9% +3.8% YoY	0.9% +13.0% YoY	1.3% -2.1% YoY	46%
Loan To Share	95.4% +2.0% YoY-1.4% QoQ	+12.8%	82.6% +1.1% YoY	73.5% -2.0% YoY	67.4% -1.7% YoY	82%
AMR	$35,973 +5.0% YoY+4.3% QoQ	+$7K	$28,873 +2.7% YoY	$25,262 +4.8% YoY	$19,687 +2.0% YoY	83%
CD Concentration	37.9% +2.1% YoY-1.9% QoQ	+13.5%	24.4%	25.0%	19.8%	Top 9.8% in tier
Indirect Auto %	0.8% -19.4% YoY-6.1% QoQ	-13.0%	13.8%	2.4%	7.8%	35%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#136 of 268 • Top 50.6% 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): 5.00%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.0K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Concerns (4)

Efficiency Drag

risk

#165 of 538 • Bottom 30.5% in tier

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

Why This Signature

Efficiency Ratio: 80.72%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.49%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Liquidity Strain

risk

#101 of 228 • Bottom 44.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.40%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.59%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#330 of 456 • Bottom 72.3% in tier

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

Why This Signature

Loan Growth (YoY): 6.59%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#563 of 705 • Bottom 79.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 (5 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,563

Peer Median: -

#13 of 117 Top 10.3% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: -

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

Average Member Relationship (AMR)

engagement

Value: $35,973

Peer Median: -

#20 of 117 Top 16.2% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.40%

Peer Median: -

#21 of 117 Top 17.1% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.77%

Peer Median: -

#25 of 117 Top 20.5% in 750M-1B tier

Top Weaknesses (4 metrics)

105

Share Certificate Concentration (%)

balance_sheet

Value: 37.93%

Peer Median: -

#105 of 117 Bottom 11.1% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 45.90%

Peer Median: -

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

Net Interest Margin (NIM)

profitability

Value: 2.90%

Peer Median: -

#91 of 117 Bottom 23.1% in 750M-1B tier

Total Members

engagement

Value: 38,833

Peer Median: -

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