BlastPoint's Credit Union Scorecard

CENTRA

Charter #68287 · IN

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 11 in IN

View Mid-Market leaderboard →

CENTRA has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 80.9% in tier
+ ROA 0.08% above tier average
+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.0% in tier
- Credit Risk Growth: Bottom 14.8% in tier
- Stagnation Risk: Bottom 18.0% in tier
- Membership Headwinds: Bottom 24.3% in tier
- Efficiency ratio 0.29% above tier (higher cost structure)
- Delinquency rate 0.36% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	152,084 -1.5% YoY-0.1% QoQ	+53.4K	98,678 -1.9% YoY	22,637 +3.1% YoY	33,089 +6.1% YoY	Top 11.8% in tier
Assets	$2.3B +5.6% YoY+1.2% QoQ	+$540.9M	$1.7B +0.5% YoY	$383.9M +8.8% YoY	$547.7M +7.8% YoY	77%
Loans	$1.7B +2.8% YoY+2.3% QoQ	+$447.5M	$1.2B +0.5% YoY	$276.9M +7.4% YoY	$388.7M +8.6% YoY	80%
Deposits	$2.0B +5.4% YoY+0.9% QoQ	+$512.3M	$1.5B +1.3% YoY	$323.0M +10.5% YoY	$464.6M +9.3% YoY	80%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +61.6% YoY+3.9% QoQ	+0.1%	0.7% +13.4% YoY	0.9% +24.5% YoY	0.7% +273.4% YoY	62%
NIM	3.6% +8.6% YoY+1.8% QoQ	+0.4%	3.3% +9.3% YoY	3.8% +8.0% YoY	3.7% +5.0% YoY	75%
Efficiency Ratio	74.3% -0.5% YoY+0.2% QoQ	+0.3%	74.0% -10.9% YoY	77.7% -3.5% YoY	79.1% -3.3% YoY	47%
Delinquency Rate	1.2% +34.2% YoY+18.1% QoQ	+0.4	0.8% +6.1% YoY	1.3% +19.3% YoY	1.2% -0.9% YoY	83%
Loan To Share	85.5% -2.4% YoY+1.4% QoQ	+0.3%	85.2% -0.8% YoY	69.6% -2.1% YoY	68.0% -1.7% YoY	43%
AMR	$23,981 +5.8% YoY+1.7% QoQ	$-5K	$29,172 +2.8% YoY	$18,326 +4.3% YoY	$19,418 +1.3% YoY	29%
CD Concentration	28.3% +4.6% YoY+1.8% QoQ	-0.6%	29.0% +0.7% YoY	19.0% +9.9% YoY	19.6% +6.2% YoY	49%
Indirect Auto %	12.7% -45.1% YoY-16.1% QoQ	-6.1%	18.8% -3.0% YoY	11.0% -3.5% YoY	7.9% -2.9% YoY	42%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#94 of 116 • Top 80.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.76%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#47 of 217 • Bottom 6.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.30% 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 improving

Credit Risk Growth

risk

#83 of 161 • Bottom 14.8% in tier

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

Why This Signature

Loan Growth (YoY): 2.80%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.30% 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 | New qualifier

Stagnation Risk

risk

#44 of 85 • Bottom 18.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.51%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.80%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.18%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Membership Headwinds

decline

#59 of 85 • Bottom 24.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.51%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 152,084

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.68B

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $1.97B

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.26B

Peer Avg: -

#69 of 304 Top 22.4% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.63%

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

AMR Growth Rate

growth

Value: 5.76%

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (2 metrics)

252

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

248

Member Growth Rate

growth

Value: -1.51%

Peer Avg: -

#248 of 304 Bottom 18.8% in 1B-3B tier