BlastPoint's Credit Union Scorecard
CENTRIS
Charter #28 · NE
CENTRIS has 3 strengths but faces 8 concerns
How does the industry compare?
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How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + 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
- - Credit Risk Growth: 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
|
82% |
| 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
|
43% |
| 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
|
62% |
| 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
|
41% |
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| 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
|
70% |
| 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%
+0.7% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % |
30.5%
-2.5% YoY-2.1% QoQ
|
+11.7% |
18.8%
-3.0% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
77% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)