Centra
Columbus, IN · Charter 68287 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 29 branches
Q2 2026
$2.4BAssets
$1.7BLoans
$2.1BShares
$293.2MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions $1B-$10B in assets (rank 69 of 435).
- Widest gap: nonperforming loans / loans trails 70% of credit unions $1B-$10B in assets (rank 307 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.21%
Rank 85 of 435
Net Interest Margin
3.92%
Rank 69 of 435
Efficiency Ratio
67.05%
Rank 137 of 435
Equity / Assets
12.34%
Rank 124 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.55% | 0.81% | 1.14% | Beats 80% | 85 / 435 | |
| Return on Equity | 9.79% | 5.12% | 7.41% | 9.70% | Beats 76% | 104 / 435 | |
| Net Interest Margin | 3.92% | 3.01% | 3.39% | 3.75% | Beats 84% | 69 / 435 | |
| Efficiency Ratio | 67.05% | 65.25% | 71.39% | 77.86% | Beats 69% | 137 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.96% | 0.45% | 0.69% | 1.05% | Beats 30% | 307 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.34% | 9.81% | 10.84% | 12.63% | Beats 71% | 124 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.34% | 9.81% | 10.84% | 12.63% | Beats 71% | 124 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 84.47% | 78.33% | 88.38% | 95.61% | 39th pctl | 267 / 435 | |
| Loans / Assets | 73.46% | 67.69% | 74.58% | 80.80% | 45th pctl | 238 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |