State credit union · COLUMBUS, Indiana · NCUA charter #68287
CENTRA
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $2.32B
- Total assets
- 151,589
- Members
- 11.9%
- Net-worth ratio
CENTRA scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.32B; members 151,589; net-worth ratio 11.94%; health rank #2,113 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,113 of 4,374 health · 2025Q4CENTRA · health 84/100 · $2.32B · 2025Q4
Call Report peers
CENTRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CENTRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENTRA sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CENTRA vs Over $500M peers
- Net Worth Ratio leads the peer set - 11.94% here, 11.18% peer average (+0.76 pp).
- Delinquency Rate trails the peer set - 1.05% here, 0.87% peer average (+0.17 pp).
CENTRA: in-state Call Report ranks
- Indiana health ordinal: #61 of 124.
- By total assets, CENTRA is #6 of 124 in Indiana.
- Membership ranks #5 of 124 among Indiana CUs with a reported count (151,589 members).
- One place up in Indiana, Hoosier Hills (#60) scores 85/100, 1 point higher; one place down, LAMPCO (#62) ties at 84/100.
Quarter path for CENTRA
CENTRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $2.32B (2025Q4) to $2.38B (2026Q1).
- Net-worth ratio shifted -0.06 pp (12.00% → 11.94%).
11.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
CENTRA gives up 16 points in total. Member Growth costs the most, 8.3 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 13.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.94% | +0.76 pp |
| Delinquency Rate | 1.05% | +0.17 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | -1.29% | - |
| Loan-to-Share Ratio | 83.92% | +0.02 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.38B | - |
| 2025Q4 | $2.32B | 151,589 |
| 2024Q4 | $2.13B | 153,564 |
| 2023Q4 | $2.08B | 156,955 |
Credit Union Details
- Charter Number
- 68287
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Indiana
- City
- COLUMBUS
- Data Quarter
- 2025Q4
Branch Locations (29)
The NCUA branch filing lists 29 physical offices for CENTRA, spread across 21 cities in 3 states.
| Office | City |
|---|---|
| Tupelo Corporate Headquarters (Main Office) | Columbus, IN |
| Carmel | Carmel, IN |
| Charlestown | Charlestown, IN |
| Clarksville | Clarksville, IN |
| National Road | Columbus, IN |
| 26th Street | Columbus, IN |
| SR 46 West | Columbus, IN |
| Washington Street | Columbus, IN |
| Corydon | Corydon, IN |
| Edinburgh | Edinburgh, IN |
| Greensburg | Greensburg, IN |
| Shadeland Avenue | Indianapolis, IN |
| Zionsville | Indianapolis, IN |
| Jeffersonville | Jeffersonville, IN |
| River Ridge | Jeffersonville, IN |
| Jamestown, NY | Lakewood, NY |
| Lebanon | Lebanon, IN |
| Madison | Madison, IN |
| Nashville | Nashville, IN |
| State Street | New Albany, IN |
| Grant Line | New Albany, IN |
| North Vernon | North Vernon, IN |
| Salem | Salem, IN |
| Scottsburg | Scottsburg, IN |
| Scottsburg Walmart | Scottsburg, IN |
| Sellersburg | Sellersburg, IN |
| Seymour | Seymour, IN |
| Shelbyville | Shelbyville, IN |
| Whitakers, NC | Whitakers, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- CENTRA ranks #2,113 of 4,374 nationally on financial health and #61 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FORUM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FORUM
Frequently Asked Questions
Is CENTRA financially healthy?
CENTRA has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,113 of 4,374 nationally on health and #61 of 124 in Indiana. Its net worth ratio is 11.94% and its delinquency rate 1.05%.
How does CENTRA compare to other credit unions?
CENTRA scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.94% vs 11.18%). Its widest shortfall is delinquency rate (1.05% vs 0.87%).
How can I join CENTRA?
Membership eligibility for CENTRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CENTRA directly for current membership requirements and application steps.
Is my money safe at CENTRA?
CENTRA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CENTRA's net worth ratio of 11.94% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.