| Metric | Centra Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.1% | +2.0 pts |
| Share growth (YoY) | +6.7% | +4.9% | +1.9 pts |
| Loan growth (YoY) | +4.0% | +5.4% | -1.5 pts |
| ROA | 0.93% | 0.71% | +0.2 pts |
| ROE | 7.8% | 6.3% | +1.5 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $2.38B | $2.08B | $1.69B | $284.3M | $5.5M | 0.93% | 3.84% | 0.77% | 139,152 |
| Q4 2025 | $2.32B | $2.02B | $1.70B | $278.8M | $16.0M | 0.69% | 3.59% | 1.05% | 151,589 |
| Q3 2025 | $2.26B | $1.97B | $1.68B | $278.3M | $13.2M | 0.78% | 3.61% | 1.18% | 152,084 |
| Q2 2025 | $2.23B | $1.95B | $1.64B | $273.6M | $8.4M | 0.75% | 3.56% | 1.00% | 152,278 |
| Q1 2025 | $2.22B | $1.95B | $1.63B | $268.4M | $3.2M | 0.57% | 3.50% | 0.62% | 152,655 |
| Q4 2024 | $2.13B | $1.86B | $1.63B | $265.2M | $8.5M | 0.40% | 3.35% | 0.96% | 153,564 |
| Q3 2024 | $2.14B | $1.87B | $1.63B | $266.7M | $7.7M | 0.48% | 3.33% | 0.88% | 154,408 |
| Q2 2024 | $2.12B | $1.83B | $1.65B | $264.2M | $5.3M | 0.50% | 3.35% |
| Ratio | Centra Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 0.71% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 6.3% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.32% |
Peer lists, growth filters, CSV export, CRM push.
| 0.81% |
| 159,926 |
Loan mix (Q1 2026): real estate $890.7M · commercial $320.0M · consumer $444.6M · securities $395.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 73.0% | 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 | Centra 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 | Centra 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 | Centra 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 | Centra 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.