BlastPoint's Credit Union Scorecard
CENTRA
Charter #68287 · IN
CENTRA has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 3.5% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.50% above tier average
- + AMR Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 97.3% in tier
- - Stagnation Risk: Bottom 97.3% in tier
- - Delinquency rate 0.10% above tier average
- - Member decline: -9.1% YoY
- - Member Growth Rate: Bottom 3.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 10 that size in Indiana.
- Shares and deposits +6.0% year over year ($2.07B in shares and deposits).
- Membership: 138,394 members, -9.1% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 1.21%.
- Efficiency ratio 67.05% vs a 73.02% peer average.
- Loan-to-share ratio 84.47% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138,394
-9.1% YoY-0.5% QoQ
|
+41.5K |
96,861
-1.9% YoY
|
23,392
+5.7% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$2.4B
+6.4% YoY-0.2% QoQ
|
+$652.0M |
$1.7B
+0.4% YoY
|
$404.4M
+8.2% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$1.7B
+6.3% YoY+3.3% QoQ
|
+$511.4M |
$1.2B
+0.7% YoY
|
$288.6M
+8.1% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$2.1B
+6.0% YoY-0.5% QoQ
|
+$603.2M |
$1.5B
+0.5% YoY
|
$337.5M
+7.0% YoY
|
$504.8M
+10.3% YoY
|
84% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+60.2% YoY+30.3% QoQ
|
+0.4% |
0.8%
+27.6% YoY
|
1.6%
+105.9% YoY
|
1.2%
+121.4% YoY
|
81% |
| NIM |
3.9%
+9.9% YoY+2.1% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.9%
+3.1% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
67.1%
-9.5% YoY-4.7% QoQ
|
-6.0% |
73.0%
-2.7% YoY
|
105.3%
+31.6% YoY
|
83.0%
-5.3% YoY
|
23% |
| Delinquency Rate |
1.0%
-4.5% YoY+25.0% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
1.6%
+32.0% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
84.5%
+0.2% YoY+3.8% QoQ
|
-0.2% |
84.7%
+0.1% YoY
|
68.6%
+0.4% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$27,546
+16.8% YoY+1.8% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$18,349
+1.6% YoY
|
$20,028
-0.9% YoY
|
46% |
| CD Concentration |
28.4%
+2.1% YoY+5.3% QoQ
|
-0.7% | 29.1% | 19.4% | 20.0% | 48% |
| Indirect Auto % |
7.4%
-50.8% YoY-18.7% QoQ
|
-10.6% | 18.1% | 11.1% | 7.7% | 31% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)