| Metric | Cent Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.1% | +3.9% | -9.0 pts |
| Share growth (YoY) | -6.7% | +3.3% | -10.0 pts |
| Loan growth (YoY) | +4.1% | +2.9% | +1.2 pts |
| ROA | 0.82% | 0.69% | +0.1 pts |
| ROE | 6.5% | 5.9% | +0.6 pts |
ROA ranks in the 59th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $165.9M | $144.5M | $127.5M | $20.7M | $338K | 0.82% | 3.59% | 0.28% | 11,472 |
| Q4 2025 | $162.0M | $141.0M | $126.9M | $20.4M | $1.1M | 0.69% | 3.48% | 0.35% | 11,425 |
| Q3 2025 | $167.8M | $146.9M | $127.5M | $20.1M | $861K | 0.68% | 3.30% | 0.44% | 11,517 |
| Q2 2025 | $172.5M | $152.1M | $124.6M | $19.8M | $524K | 0.61% | 3.12% | 0.12% | 11,447 |
| Q1 2025 | $174.8M | $154.8M | $122.4M | $19.4M | $171K | 0.39% | 2.94% | 0.32% | 11,386 |
| Q4 2024 | $169.3M | $149.5M | $121.7M | $19.3M | $1.3M | 0.74% | 3.01% | 0.34% | 11,365 |
| Q3 2024 | $158.9M | $140.0M | $118.2M | $19.1M | $1.1M | 0.91% | 3.18% | 0.47% | 11,268 |
| Q2 2024 | $160.4M | $141.4M | $115.5M | $18.8M | $776K | 0.97% | 3.11% |
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.69% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 5.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.20% |
| 11,280 |
Loan mix (Q1 2026): real estate $84.8M · commercial $0 · consumer $36.8M · securities $5.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.4% | 78.7% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+1 vs 2024). Biggest market: Cerro Gordo, IA, ranked 7th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cerro Gordo, IA | 2 | $76.1M* | 3.72% | 7th |
| Palo Alto, IA | 1 | $38.0M* | 10.94% | 3rd |
| Plymouth, IA | 1 | $38.0M* | 2.65% | 9th |
Iowa: 184th with 0.10% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 4