BlastPoint's Credit Union Scorecard
CENTRIS
Charter #28 · NE
CENTRIS has 5 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 18.0% in tier
- + ROA 0.09% above tier average
- + Net Interest Margin 1.23% above tier average
- + AMR Growth Rate: Top 6.3% in tier
- + Loan-to-Share Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 8.5% in tier
- - Indirect Auto Dependency: Bottom 15.9% in tier
- - Credit Risk Growth: Bottom 22.1% in tier
- - Membership Headwinds: Bottom 28.6% in tier
- - Credit Quality Pressure: Bottom 41.0% in tier
- - Stagnation Risk: Bottom 41.7% in tier
- - Delinquency rate 1.00% above tier average
- - Member decline: -4.4% YoY
- - Average Member Relationship (AMR): Bottom 4.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.3% in tier
- - Member Growth Rate: Bottom 8.6% in tier
- - Net Charge-Off Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132,339
-4.4% YoY-3.6% QoQ
|
+34.9K |
97,431
-2.4% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$1.5B
+8.3% YoY+1.2% QoQ
|
$-260.9M |
$1.7B
+0.9% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$1.3B
+9.9% YoY+0.7% QoQ
|
+$23.3M |
$1.2B
+0.5% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$1.2B
+4.3% YoY+3.3% QoQ
|
$-238.8M |
$1.5B
+0.9% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.8%
+15.7% YoY-15.6% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
4.5%
+9.7% YoY-0.7% QoQ
|
+1.2% |
3.3%
+9.2% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 3.3% in tier |
| Efficiency Ratio |
64.0%
-3.2% YoY+3.2% QoQ
|
-10.0% |
74.1%
-9.5% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
1.9%
+9.5% YoY+7.2% QoQ
|
+1.0 |
0.9%
+6.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Top 5.3% in tier |
| Loan To Share |
103.0%
+5.3% YoY-2.5% QoQ
|
+18.3% |
84.8%
-0.8% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 7.9% in tier |
| AMR |
$18,727
+12.0% YoY+5.8% QoQ
|
$-11K |
$29,428
+2.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.6% in tier |
| CD Concentration |
35.7%
+3.1% YoY+1.9% QoQ
|
+6.6% | 29.0% | 22.3% | 19.8% | 78% |
| Indirect Auto % |
29.9%
-2.8% YoY-2.2% QoQ
|
+11.5% | 18.3% | 5.6% | 7.8% | 76% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)