BlastPoint's Credit Union Scorecard
CENTRA
Charter #68287 · IN
CENTRA has 4 strengths but faces 6 concerns
How does the industry compare?
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How does IN stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.2% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.48% above tier average
- + AMR Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.7% in tier
- - Credit Risk Growth: Bottom 59.2% in tier
- - Membership Headwinds: Bottom 97.4% in tier
- - Stagnation Risk: Bottom 97.4% in tier
- - Member decline: -8.8% YoY
- - Member Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139,152
-8.8% YoY-8.2% QoQ
|
+43.1K |
96,048
-2.7% YoY
|
22,524
+2.8% YoY
|
33,913
+5.7% YoY
|
Top 15.0% in tier |
| Assets |
$2.4B
+7.1% YoY+2.4% QoQ
|
+$661.1M |
$1.7B
+0.4% YoY
|
$399.0M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
81% |
| Loans |
$1.7B
+4.0% YoY-0.4% QoQ
|
+$476.1M |
$1.2B
+0.2% YoY
|
$281.9M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$2.1B
+6.7% YoY+2.7% QoQ
|
+$611.0M |
$1.5B
+0.5% YoY
|
$336.4M
+8.1% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.9%
+57.7% YoY+33.0% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.6%
-3.4% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
3.8%
+7.2% YoY+5.3% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
3.7%
-1.2% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
70.4%
-5.8% YoY-6.7% QoQ
|
-4.2% |
74.6%
-3.0% YoY
|
86.7%
+4.4% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
0.8%
+24.1% YoY-26.8% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
1.1%
+11.5% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
81.4%
-2.6% YoY-3.0% QoQ
|
-1.8% |
83.2%
-0.4% YoY
|
67.3%
+1.1% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$27,067
+15.7% YoY+10.3% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$18,911
+5.2% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
27.0%
+1.4% YoY-1.8% QoQ
|
-1.9% | 28.8% | 18.9% | 19.8% | 43% |
| Indirect Auto % |
9.2%
-48.4% YoY-15.3% QoQ
|
-8.9% | 18.1% | 10.4% | 7.7% | 36% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
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)