Centra

COLUMBUS, IN · 2 · Charter #68287 · www.centra.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.3B
54th percentile
Members
151,589
63th percentile
Total loans
$1.7B
56th percentile
Total shares
$2.0B
57th percentile

Profitability

Return on assets
1.23%
67th percentile
Net interest margin
3.59%
76th percentile
Efficiency ratio
57.16%
26th percentile
Non-interest income ratio
21.86%
73th percentile

Capital & Risk

Net worth ratio
12.00%
71th percentile
Delinquency rate
1.05%
25th percentile
Net charge-off rate
0.77%
25th percentile
Loan-to-share
83.94%
36th percentile

Growth

Member growth YoY
-1.29%
18th percentile
Asset growth YoY
9.31%
78th percentile
Loan growth YoY
4.24%
45th percentile
Share growth YoY
8.85%
75th percentile

Operations

Members / branch
5,227
20th percentile
Assets / member
$15,332
24th percentile
Field of membership penetration
3.42%
36th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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