BlastPoint's Banking Scorecard
Century Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Trinidad, CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 6 in CO.
- Deposits +1.0% year over year ($62.0M on the books).
- Delinquency rate 0.50%.
- Return on assets 0.10%.
- Efficiency ratio 97.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.93% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Century Savings and Loan Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.66% below tier average
- + Delinquency Rate 0.98% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.24% below tier average
- - ROA 0.90% below tier average
- - Net Interest Margin 1.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.3M
+0.9% YoY
-0.6% QoQ
|
+$12.9M |
$62.4M
-0.0% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$39.0M
-1.1% YoY
-1.5% QoQ
|
+$4.1M |
$34.9M
-0.6% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$62.0M
+1.0% YoY
-0.5% QoQ
|
+$10.4M |
$51.6M
-0.2% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
62% |
| Return on Assets ? |
0.10%
+134.3% YoY
+325.4% QoQ
|
-0.90% |
1.00%
+3.5% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.2% in tier |
| Net Interest Margin ? |
2.81%
+27.0% YoY
+0.7% QoQ
|
-1.10% |
3.91%
+2.3% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio ? |
97.73%
-17.7% YoY
-3.9% QoQ
|
-21.66% |
119.40%
+49.6% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate ? |
0.50%
-45.3% YoY
+6.3% QoQ
|
-0.98% |
1.48%
+31.8% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
62.93%
-2.1% YoY
-0.9% QoQ
|
-11.28% |
74.21%
+12.6% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
2.25%
-25.6% YoY
-20.7% QoQ
|
-21.24% |
23.49%
+0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.0% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-46.4% YoY
+5.4% QoQ
|
-0.58% |
0.84%
+23.0% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
16.43%
-8.3% YoY
-0.7% QoQ
|
-10.70% |
27.13%
+3.0% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.06%
+1.4% YoY
+101.2% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
2.2%
-0.8pp YoY -0.6pp QoQ |
-22.4pp | 24.6% | 23.5% | 22.2% | 3% |
| Brokered Deposits |
9.8%
+1.5pp YoY 0.0pp QoQ |
0.0pp | 9.8% | 7.4% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 8.4% | 12.5% | n/a |
| CRE |
13.4%
-4.2pp YoY -0.4pp QoQ |
-11.9pp | 25.2% | 42.8% | 41.4% | 23% |
| 1-4 Family |
84.9%
+4.0pp YoY +0.4pp QoQ |
+49.9pp | 35.0% | 33.0% | 31.3% | 94% |
| Consumer |
1.2%
+0.3pp YoY 0.0pp QoQ |
-6.5pp | 7.7% | 3.9% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
16.4%
-1.5pp YoY -0.1pp QoQ |
-1.3pp | 17.7% | 12.5% | 12.6% | 77% |
| Total Capital Ratio | n/a | n/a | 39.7% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+2 (+18.2%) YoY 0 QoQ |
+1 | 12 | 107 | 482 | 62% |
| Assets per Employee ($) |
$5.8M
-14.6% YoY -0.6% QoQ |
-$393K | $6.2M | $7.8M | $8.8M | 46% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.7% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY 0.0pp QoQ |
-1.2pp | 1.7% | 0.8% | 1.0% | 40% |
| Allowance Coverage |
1.30x
+64.2% YoY -8.2% QoQ |
-5.11x | 6.41x | 12.16x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.2pp YoY -0.1pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.7%
+2.7pp YoY +1.0pp QoQ |
-5.7pp | 6.4% | 9.7% | 11.6% | 14% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.7% | 1.7% | 42% |
| Net Income ($, YTD) |
$36,000
+134.6% YoY — QoQ |
-$282K | $317,817 | $5.4M | $40.4M | 16% |
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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.