BlastPoint's Banking Scorecard
Century Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Trinidad, CO
Century Savings and Loan Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.95% below tier average
- - ROA 0.90% below tier average
- - Net Interest Margin 1.08% below tier average
- - Efficiency Ratio 14.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.8M
+0.5% YoY
+0.2% QoQ
|
+$13.5M |
$62.3M
-0.5% YoY
|
$902.4M
+10.4% YoY
|
$6.2B
+9.0% YoY
|
65% |
| Total Loans ? |
$39.6M
+0.2% YoY
-0.2% QoQ
|
+$5.3M |
$34.3M
-1.5% YoY
|
$622.8M
+11.0% YoY
|
$3.2B
+10.7% YoY
|
62% |
| Total Deposits ? |
$62.3M
+0.2% YoY
+0.4% QoQ
|
+$10.5M |
$51.8M
-0.6% YoY
|
$761.8M
+9.5% YoY
|
$4.8B
+8.0% YoY
|
62% |
| Return on Assets ? |
-0.04%
+83.5% YoY
+96.6% QoQ
|
-0.90% |
0.86%
-3.6% YoY
|
0.93%
+13.2% YoY
|
1.24%
+13.1% YoY
|
Bottom 14.3% in tier |
| Net Interest Margin ? |
2.79%
+25.4% YoY
+16.0% QoQ
|
-1.08% |
3.87%
+2.7% YoY
|
4.00%
+4.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio ? |
101.71%
-14.5% YoY
-6.3% QoQ
|
+14.08% |
87.63%
+2.3% YoY
|
74.16%
-3.6% YoY
|
66.84%
-3.8% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate ? |
0.47%
-50.4% YoY
-32.0% QoQ
|
-0.89% |
1.36%
+33.7% YoY
|
0.67%
-9.0% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
63.52%
-0.1% YoY
-0.6% QoQ
|
-0.59% |
64.11%
-0.9% YoY
|
78.28%
+0.7% YoY
|
76.69%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
2.83%
+2.2% YoY
-10.5% QoQ
|
-20.95% |
23.79%
+0.5% YoY
|
23.78%
-3.2% YoY
|
22.01%
-1.1% YoY
|
Bottom 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-50.5% YoY
-32.2% QoQ
|
-0.53% |
0.77%
+28.7% YoY
|
0.50%
-1.5% YoY
|
0.66%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
16.55%
-6.5% YoY
-0.1% QoQ
|
-10.23% |
26.77%
+2.0% YoY
|
21.83%
+3.3% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.03%
-0.5% YoY
-80.2% QoQ
|
-0.64% |
0.67%
+1.6% YoY
|
0.26%
+12.1% YoY
|
0.32%
+4.0% YoY
|
22% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.