CENT
Charter #65238 | IA
CENT has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 13.3% in tier
- + Organic Growth Leader: Top 17.8% in tier
- + Organic Growth Engine: Top 20.2% in tier
- + Wallet Share Momentum: Top 21.1% in tier
- + Relationship Depth Leader: Top 27.3% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 17.7% in tier
- - Efficiency Drag: Bottom 20.8% in tier
- - Liquidity Overhang: Bottom 35.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 5.80% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,517
+2.2% YoY+0.6% QoQ
|
-4.1K |
15,628
-3.4% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
39th in tier |
| Assets |
$167.8M
+5.6% YoY-2.7% QoQ
|
$-63.5M |
$231.3M
-0.0% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$127.5M
+7.9% YoY+2.3% QoQ
|
$-20.3M |
$147.8M
-1.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
51st in tier |
| Deposits |
$146.9M
+4.9% YoY-3.4% QoQ
|
$-53.4M |
$200.3M
-0.0% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
0.7%
-25.8% YoY+11.8% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
44th in tier |
| NIM |
3.3%
+2.8% YoY+4.9% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
30th in tier |
| Efficiency Ratio |
83.1%
+12.2% YoY-1.1% QoQ
|
+5.8% |
77.3%
-3.0% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
71st in tier |
| Delinquency Rate |
0.4%
-6.0% YoY+268.9% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
32nd in tier |
| Loan To Share |
86.8%
+2.8% YoY+5.9% QoQ
|
+14.1% |
72.7%
-1.5% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Top 21.6% in tier |
| AMR |
$23,825
+4.0% YoY-1.5% QoQ
|
$-538 |
$24,363
+2.9% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
59th in tier |
| CD Concentration |
30.6%
-12.1% YoY-15.4% QoQ
|
+6.2% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growthProfitable credit union with positive returns. May represent growth potential worth exploring.
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing year-over-year. Members are deepening their engagement.
Relationship Depth Leader
growthAverage member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Concerns (3)
Cost Spiral
riskHistorically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)