CENTRA
Charter #68287 · COLUMBUS, IN · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.88% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.96% sits at the 92nd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CENTRA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.38B | 52th pct | 61th pct |
| Members | 139,152 | 57th pct | 66th pct |
| Net worth ratio | 11.94% | 70th pct | 69th pct |
| Return on average assets | 0.94% | 68th pct | 59th pct |
| Net interest margin | 3.88% | 83th pct | 80th pct |
| Cost of funds | 1.62% | 42th pct | 52th pct |
| Loan-to-share | 81.38% | 35th pct | 41th pct |
| Delinquency 60+ days | 0.77% | 63th pct | 66th pct |
| Net charge-off ratio | 0.96% | 82th pct | 92th pct |
| Loan growth YoY | 0.55% | 34th pct | 36th pct |
| Share growth YoY | 5.59% | 71th pct | 75th pct |
| Efficiency ratio | 70.39% | 42th pct | 36th pct |
structural peer set hash: 1f5aff1c2d45a43999640920118362ca… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.