BlastPoint's Credit Union Scorecard
CENTRIS
Charter #28 · NE
CENTRIS has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.5% in tier
- + Net Interest Margin 1.19% above tier average
- + AMR Growth Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.4% in tier
- - Indirect Auto Dependency: Bottom 37.4% in tier
- - Membership Headwinds: Bottom 95.5% in tier
- - Stagnation Risk: Bottom 95.5% in tier
- - ROA 0.40% below tier average
- - Delinquency rate 0.59% above tier average
- - Member decline: -6.3% YoY
- - Average Member Relationship (AMR): Bottom 4.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131,382
-6.3% YoY-0.7% QoQ
|
+35.3K |
96,048
-2.7% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$1.5B
+6.5% YoY+1.5% QoQ
|
$-235.7M |
$1.7B
+0.4% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$1.3B
+9.9% YoY+0.5% QoQ
|
+$50.7M |
$1.2B
+0.2% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$1.3B
+6.5% YoY+5.5% QoQ
|
$-177.6M |
$1.5B
+0.5% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
48% |
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| ROA |
0.3%
-59.2% YoY-58.5% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
4.5%
+0.4% YoY+1.0% QoQ
|
+1.2% |
3.4%
+6.2% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
64.6%
+1.8% YoY+0.9% QoQ
|
-10.0% |
74.6%
-3.0% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 13.4% in tier |
| Delinquency Rate |
1.4%
-5.8% YoY-28.8% QoQ
|
+0.6 |
0.8%
+6.9% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
98.2%
+3.3% YoY-4.7% QoQ
|
+15.0% |
83.2%
-0.4% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 13.7% in tier |
| AMR |
$19,427
+15.4% YoY+3.7% QoQ
|
$-10K |
$29,652
+2.3% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.6% in tier |
| CD Concentration |
35.5%
+5.9% YoY-0.6% QoQ
|
+6.6% | 28.8% | 22.1% | 19.8% | 79% |
| Indirect Auto % |
30.7%
+0.6% YoY+2.8% QoQ
|
+12.6% | 18.1% | 5.5% | 7.7% | 78% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)