BlastPoint's Banking Scorecard
Century Savings and Loan Association
Micro
Specialty: Mortgage
CO
FDIC cert 28860
Designations: ✓ Community bank ✓ Mutual
Trinidad, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Century Savings and Loan Association faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.31% below tier
- - Net Interest Margin 1.45% below tier
- - Efficiency Ratio 40.81% above tier
- - Non-Interest-Bearing Deposit Share 19.23% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.7M
+1.4% YoY
+0.8% QoQ
|
-$141.8M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$39.7M
-1.8% YoY
+0.9% QoQ
|
-$99.5M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$62.1M
-0.0% YoY
+10.6% QoQ
|
-$121.6M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
-1.23%
-612.7% YoY
+26.7% QoQ
|
-2.31% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.41%
+6.3% YoY
+5.2% QoQ
|
-1.45% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
108.53%
-5.0% YoY
-8.4% QoQ
|
+40.81% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.70%
-0.7% YoY
-5.3% QoQ
|
+0.06% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
63.93%
-1.8% YoY
-8.8% QoQ
|
-10.59% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
3.16%
-9.9% YoY
+12.9% QoQ
|
-19.23% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-3.8% YoY
-22.2% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
-6.5% YoY
+77.6% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.23%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
108.53%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.16%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.93% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $39.7M · Tier avg: $139.2M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
14
14th pctile
Total Assets
Current: $75.7M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $62.1M · Tier avg: $183.7M
5
5th pctile
Net Interest Margin
Current: 2.41% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.16% · Tier avg: 22.39%
3
3th pctile
Efficiency Ratio
Current: 108.53% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.23% · Tier avg: 1.08%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -1.23% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 108.53% · Tier avg: 67.73%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.16% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.41% · Tier avg: 3.85%
14
14th pctile
Total Deposits
Current: $62.1M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $75.7M · Tier avg: $217.5M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
15
15th pctile
Total Loans
Current: $39.7M · Tier avg: $139.2M
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.93% · Tier avg: 74.53%
38
38th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%