| Metric | Cent Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +4.1% | -7.9 pts |
| Share growth (YoY) | -4.9% | +3.5% | -8.5 pts |
| Loan growth (YoY) | +6.9% | +2.9% | +4.0 pts |
| ROA | 0.89% | 0.74% | +0.2 pts |
| ROE | 7.0% | 6.5% | +0.5 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $166.0M | $144.6M | $133.2M | $21.1M | $741K | 0.89% | 3.63% | 0.20% | 11,556 |
| 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% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Cent Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.74% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 6.5% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.47% |
| 11,268 |
| Q2 2024 | $160.4M | $141.4M | $115.5M | $18.8M | $776K | 0.97% | 3.11% | 0.20% | 11,280 |
Loan mix (Q2 2026): real estate $89.6M · commercial $0 · consumer $37.6M · securities $4.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 77.5% | 40th |
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 (+0 vs 2025). Biggest market: Cerro Gordo, IA, ranked 7th with 3.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cerro Gordo, IA | 2 | $72.3M* | 3.60% | 7th |
| Palo Alto, IA | 1 | $36.2M* | 10.21% | 3rd |
| Plymouth, IA | 1 | $36.2M* | 2.47% | 9th |
Iowa: 193rd with 0.09% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 3 · 2024 3 · 2025 4 · 2026 4