BlastPoint's Credit Union Scorecard
CENTRA
Charter #68287 · IN
CENTRA has 3 strengths but faces 6 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 50.8% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 66.2% in tier
- - Credit Risk Growth: Bottom 77.9% in tier
- - Stagnation Risk: Bottom 81.0% in tier
- - Membership Headwinds: Bottom 82.1% in tier
- - Efficiency ratio 1.36% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
151,589
-1.3% YoY-0.3% QoQ
|
+54.2K |
97,431
-2.4% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Top 10.9% in tier |
| Assets |
$2.3B
+9.3% YoY+2.8% QoQ
|
+$600.9M |
$1.7B
+0.9% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$1.7B
+4.2% YoY+1.0% QoQ
|
+$462.9M |
$1.2B
+0.5% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$2.0B
+8.8% YoY+2.8% QoQ
|
+$563.1M |
$1.5B
+0.9% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.7%
+73.8% YoY-11.0% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
3.6%
+9.2% YoY+0.3% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
75.4%
-0.8% YoY+1.6% QoQ
|
+1.4% |
74.1%
-9.5% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
1.0%
+8.6% YoY-11.6% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
74% |
| Loan To Share |
83.9%
-4.2% YoY-1.8% QoQ
|
-0.9% |
84.8%
-0.8% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$24,539
+8.0% YoY+2.3% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
27.5%
-0.3% YoY-3.1% QoQ
|
-1.6% | 29.0% | 19.3% | 19.8% | 44% |
| Indirect Auto % |
10.8%
-47.7% YoY-14.8% QoQ
|
-7.5% | 18.3% | 10.7% | 7.8% | 38% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)