CENTRA

Charter #68287 | IN

1B-3B (304 CUs) Mid-Market (380 CUs)
11 1B-3B in IN

CENTRA has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 12.9% in tier
  • + Relationship Depth Leader: Top 21.5% 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
  • - Growth-at-Risk: Bottom 14.8% in tier
  • - Stagnation Risk: Bottom 18.0% in tier
  • - Membership Headwinds: Bottom 24.3% in tier
  • - Liquidity Overhang: Bottom 25.2% 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
 Top 22.7% in tier
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
 Top 20.1% in tier
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
 Top 20.1% in tier
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
 62nd in tier
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
 Top 25.0% in tier
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
 47th in tier
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
 Top 17.4% in tier
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
 43rd in tier
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
 29th in tier
CD Concentration 28.3%
+4.6% YoY+1.8% QoQ
 -0.7% 29.0%
+0.8% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 49th in tier
Indirect Auto % 12.7%
-45.1% YoY-16.1% QoQ
 -6.1% 18.8%
-2.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 42nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#94 of 264 • Top 12.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.76%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#156 of 264 • Top 21.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.76%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

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

Growth-at-Risk

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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.51%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.0K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 28.33%
(Tier: 28.98%, National: 19.60%)
but better 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

Liquidity Overhang

risk
#82 of 113 • Bottom 25.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.30%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 85.46%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

36
Total Members
engagement
Value: 152,084
Peer Avg: 98,678
#36 of 304 Top 11.5% in 1B-3B tier
61
Total Loans
balance_sheet
Value: $1.68B
Peer Avg: $1.23B
#61 of 304 Top 19.7% in 1B-3B tier
61
Total Deposits
balance_sheet
Value: $1.97B
Peer Avg: $1.45B
#61 of 304 Top 19.7% in 1B-3B tier
69
Total Assets
balance_sheet
Value: $2.26B
Peer Avg: $1.72B
#69 of 304 Top 22.4% in 1B-3B tier
76
Net Interest Margin (NIM)
profitability
Value: 3.63%
Peer Avg: 3.26%
#76 of 304 Top 24.7% in 1B-3B tier
76
AMR Growth Rate
growth
Value: 5.76%
Peer Avg: 3.29%
#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: 0.83%
#252 of 304 Bottom 17.4% in 1B-3B tier
248
Member Growth Rate
growth
Value: -1.51%
Peer Avg: 2.20%
#248 of 304 Bottom 18.8% in 1B-3B tier