CENTRIS

Charter #28 | NE

1B-3B (304 CUs) Mid-Market (380 CUs)
2 1B-3B in NE

CENTRIS has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 17.4% in tier
  • + Wallet Share Momentum: Top 18.0% in tier
  • + Relationship Depth Leader: Top 30.1% in tier
  • + ROA 0.21% above tier average
  • + Net Interest Margin 1.27% above tier average
  • + Loan-to-Share Ratio: Top 4.3% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.8% in tier
  • - Indirect Auto Dependency: Bottom 8.6% in tier
  • - Credit Quality Pressure: Bottom 12.5% in tier
  • - Growth-at-Risk: Bottom 12.6% in tier
  • - Delinquency rate 0.94% above tier average
  • - Average Member Relationship (AMR): Bottom 3.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
  • - Net Charge-Off Rate: Bottom 8.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 137,351
-0.4% YoY-4.8% QoQ
 +38.7K 98,678
-1.9% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 Top 18.1% in tier
Assets $1.4B
+5.4% YoY+2.5% QoQ
 $-273.9M $1.7B
+0.5% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 43rd in tier
Loans $1.2B
+6.8% YoY+3.2% QoQ
 +$15.8M $1.2B
+0.5% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $1.2B
+1.6% YoY-0.5% QoQ
 $-273.1M $1.5B
+1.3% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA 0.9%
+42.3% YoY-8.9% QoQ
 +0.2% 0.7%
+13.4% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 70th in tier
NIM 4.5%
+13.2% YoY-9.3% QoQ
 +1.3% 3.3%
+9.3% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 3.6% in tier
Efficiency Ratio 62.0%
-8.0% YoY+1.4% QoQ
 -11.9% 74.0%
-10.9% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 Bottom 10.2% in tier
Delinquency Rate 1.8%
+8.7% YoY+6.0% QoQ
 +0.9 0.8%
+6.1% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 Top 5.9% in tier
Loan To Share 105.7%
+5.1% YoY+3.7% QoQ
 +20.5% 85.2%
-0.8% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 4.6% in tier
AMR $17,692
+4.6% YoY+6.5% QoQ
 $-11K $29,172
+2.8% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 Bottom 3.3% in tier
CD Concentration 35.0%
-1.1% YoY+3.4% QoQ
 +6.0% 29.0%
+0.8% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 22.7% in tier
Indirect Auto % 30.5%
-2.5% YoY-2.1% QoQ
 +11.7% 18.8%
-2.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 Top 23.5% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#93 of 184 • Top 17.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.92%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.37%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#131 of 264 • Top 18.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.57%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#218 of 264 • Top 30.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.57%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk
#21 of 183 • Bottom 3.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.72%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 6.79%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#54 of 202 • Bottom 8.6% in tier

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

Why This Signature
Asset Growth (YoY): 5.43%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 30.51%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.37%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Credit Quality Pressure

risk
#97 of 217 • Bottom 12.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank worsening

Growth-at-Risk

risk
#71 of 161 • Bottom 12.6% in tier

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

Why This Signature
Loan Growth (YoY): 6.79%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

11
Net Interest Margin (NIM)
profitability
Value: 4.53%
Peer Avg: 3.26%
#11 of 304 Top 3.3% in 1B-3B tier
14
Loan-to-Share Ratio
balance_sheet
Value: 105.72%
Peer Avg: 85.19%
#14 of 304 Top 4.3% in 1B-3B tier
32
Efficiency Ratio
profitability
Value: 62.04%
Peer Avg: 73.97%
#32 of 304 Top 10.2% in 1B-3B tier
55
Total Members
engagement
Value: 137,351
Peer Avg: 98,678
#55 of 304 Top 17.8% in 1B-3B tier
75
Members Per Employee (MPE)
engagement
Value: 410.003
Peer Avg: 364.953
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (8 metrics)

294
Average Member Relationship (AMR)
engagement
Value: $17,692
Peer Avg: $29,172
#294 of 304 Bottom 3.6% in 1B-3B tier
287
Total Delinquency Rate (60+ days)
risk
Value: 1.77%
Peer Avg: 0.83%
#287 of 304 Bottom 5.9% in 1B-3B tier
280
Net Charge-Off Rate
risk
Value: 1.18%
Peer Avg: 0.60%
#280 of 304 Bottom 8.2% in 1B-3B tier
270
Loan-to-Member Ratio (LMR)
engagement
Value: $9,092
Peer Avg: $13,213
#270 of 304 Bottom 11.5% in 1B-3B tier
240
Share Certificate Concentration (%)
balance_sheet
Value: 35.01%
Peer Avg: 28.53%
#240 of 304 Bottom 21.4% in 1B-3B tier
237
Indirect Auto Concentration (%)
balance_sheet
Value: 30.51%
Peer Avg: 18.32%
#237 of 304 Bottom 22.4% in 1B-3B tier
235
Net Worth Ratio
risk
Value: 9.60%
Peer Avg: 11.44%
#235 of 304 Bottom 23.0% in 1B-3B tier
232
Deposit Growth Rate
growth
Value: 1.57%
Peer Avg: 5.58%
#232 of 304 Bottom 24.0% in 1B-3B tier