BlastPoint's Credit Union Scorecard

CENTRIS

Charter #28 · NE

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 2 in NE

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CENTRIS has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 4.0% in tier
+ Net Interest Margin 1.12% above tier average
+ AMR Growth Rate: Top 4.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 25.1% in tier
- Indirect Auto Dependency: Bottom 44.1% in tier
- Stagnation Risk: Bottom 98.1% in tier
- Membership Headwinds: Bottom 98.1% in tier
- ROA 0.09% below tier average
- Delinquency rate 0.67% above tier average
- Member decline: -9.7% YoY
- Member Growth Rate: Bottom 2.3% in tier

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 2 that size in Nebraska.
Shares and deposits +8.4% year over year ($1.29B in shares and deposits).
Membership: 130,231 members, -9.7% vs a year ago.
Delinquency rate 1.53%.
Return on assets 0.73%.
Efficiency ratio 60.51% vs a 73.02% peer average.
Loan-to-share ratio 95.87% vs a 84.71% 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 (NE)	National Avg	Tier Percentile
Members	130,231 -9.7% YoY-0.9% QoQ	+33.4K	96,861 -1.9% YoY	11,070 -2.8% YoY	34,678 +6.6% YoY	81%
Assets	$1.5B +5.8% YoY+0.5% QoQ	$-232.2M	$1.7B +0.4% YoY	$139.7M +2.9% YoY	$593.1M +10.2% YoY	46%
Loans	$1.2B +1.9% YoY-2.5% QoQ	$-1.1M	$1.2B +0.7% YoY	$101.1M +5.0% YoY	$418.6M +10.1% YoY	61%
Deposits	$1.3B +8.4% YoY-0.1% QoQ	$-177.1M	$1.5B +0.5% YoY	$119.4M +3.3% YoY	$504.8M +10.3% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -27.6% YoY+126.8% QoQ	-0.1%	0.8% +27.6% YoY	1.1% +69.2% YoY	1.2% +121.4% YoY	45%
NIM	4.5% -9.0% YoY-0.0% QoQ	+1.1%	3.4% +6.6% YoY	4.1% +6.3% YoY	3.8% +2.3% YoY	Top 4.3% in tier
Efficiency Ratio	60.5% -1.1% YoY-6.4% QoQ	-12.5%	73.0% -2.7% YoY	79.7% -2.7% YoY	83.0% -5.3% YoY	Top 10.7% in tier
Delinquency Rate	1.5% -8.4% YoY+13.3% QoQ	+0.7	0.9% +7.3% YoY	1.2% +28.5% YoY	1.3% +2.6% YoY	Bottom 9.7% in tier
Loan To Share	95.9% -6.0% YoY-2.3% QoQ	+11.2%	84.7% +0.1% YoY	69.5% +0.0% YoY	66.4% -1.4% YoY	79%
AMR	$19,346 +16.4% YoY-0.4% QoQ	$-10K	$29,575 +1.5% YoY	$17,408 +1.9% YoY	$20,028 -0.9% YoY	Bottom 4.3% in tier
CD Concentration	36.2% +7.1% YoY+2.2% QoQ	+7.1%	29.1%	22.2%	20.0%	80%
Indirect Auto %	30.5% -2.0% YoY-0.4% QoQ	+12.5%	18.1%	5.2%	7.7%	79%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#15 of 125 • Top 4.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 16.41%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#6 of 86 • Bottom 98.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.70%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.90%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.53%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Membership Headwinds

decline

#8 of 86 • Bottom 98.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.70%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#40 of 193 • Bottom 44.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.75%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 30.55%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -9.70%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Liquidity Strain

risk

#125 of 168 • Bottom 25.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.87%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 1.90%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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 300 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.55%

Peer Median: 3.46%

#13 of 300 Top 4.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 16.41%

Peer Median: 3.19%

#13 of 300 Top 4.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 60.51%

Peer Median: 73.62%

#33 of 300 Top 10.7% in 1B-3B tier

Total Members

engagement

Value: 130,231

Peer Median: 86,516

#58 of 300 Top 19.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.87%

Peer Median: 87.07%

#64 of 300 Top 21.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.39%

Peer Median: 4.79%

#68 of 300 Top 22.3% in 1B-3B tier

Top Weaknesses (8 metrics)

294

Member Growth Rate

growth

Value: -9.70%

Peer Median: 1.84%

#294 of 300 Bottom 2.3% in 1B-3B tier

289

Net Charge-Off Rate

risk

Value: 1.39%

Peer Median: 0.52%

#289 of 300 Bottom 4.0% in 1B-3B tier

287

Average Member Relationship (AMR)

engagement

Value: $19,346

Peer Median: $28,089

#287 of 300 Bottom 4.7% in 1B-3B tier

272

Total Delinquency Rate (60+ days)

risk

Value: 1.53%

Peer Median: 0.70%

#272 of 300 Bottom 9.7% in 1B-3B tier

266

Loan-to-Member Ratio (LMR)

engagement

Value: $9,469

Peer Median: $12,809

#266 of 300 Bottom 11.7% in 1B-3B tier

251

Share Certificate Concentration (%)

balance_sheet

Value: 36.24%

Peer Median: 28.24%

#251 of 300 Bottom 16.7% in 1B-3B tier

244

Net Worth Ratio

risk

Value: 9.49%

Peer Median: 10.91%

#244 of 300 Bottom 19.0% in 1B-3B tier

242

Indirect Auto Concentration (%)

balance_sheet

Value: 30.55%

Peer Median: 14.26%

#242 of 300 Bottom 19.7% in 1B-3B tier