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
A Letter grade on the five-factor composite

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 · 2025Q4

CENTRA · health 84/100 · $2.32B · 2025Q4

  • ASSETS 84/100
  • MEM 11.9%
  • RANK 1.05%
  • PHOTO 0.37%
  • BOOK $2.32B
  • CHARTER 151,589
  • NCUSIF #2,113/4,374
  • CAMELS Ithink Financial
  • HEALTH 68287

Call Report peers

CENTRA in the assets neighbourhood

Credit Union 1$2.34BLge Community$2.33BCENTRA (this)$2.32BIthink Financial$2.32BBlack Hills$2.32BI. H. Mississippi Valley$2.31B
Nearest other-state credit unions by total assets (NCUA 5300)

CENTRA's $2.32B assets sit next to Ithink Financial ($2.32B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.

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

Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing

84 Top 50% higher than 50% of 4,374 credit unions

every scored credit union, bucketed by value

Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · 2025Q4

CENTRA - Share Insurance Coverage

Charter #68287's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for CENTRA Share insurance under NCUSIF covers up to $250,000 per share owner. CENTRA holds approximately $2.0B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.9 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.9% · $2.0B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

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).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

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).

In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

Quarter path for CENTRA

CENTRA: total assets by quarter

4 Call Report filings on this page's own vintage chain

2,000,000,0002,100,000,0002,200,000,0002,300,000,0002,400,000,0002,500,000,000 2023Q42024Q42025Q42026Q1 2,076,967,433 2,381,035,532 ▲ +14.6%
  • Assets moved +2.4% from $2.32B (2025Q4) to $2.38B (2026Q1).
  • Net-worth ratio shifted -0.06 pp (12.00% → 11.94%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 79.6%

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

Each segment is a pillar's weighted contribution to the composite; widths sum to 84.

  • 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

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

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.

Compare CENTRA vs FORUM

Nationwide credit unions with similar profiles

Cross-state asset and health neighbours for CENTRA - kept outside Indiana; in-state CUs stay in the Nearby block.

Similar health score

Nearest other-state credit unions by five-factor health composite (84/100 here).

First Financial 84 · NM Puget Sound Cooperative 84 · WA Crow Wing Power 84 · MN Montana Educators' 84 · MT

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
  • Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview

National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Frequently Asked Questions

Is CENTRA financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, CENTRA carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,113 of 4,374; by total assets it ranks #224 of 4,374 nationally (same basis as /rankings/largest); and #6 of 124 within Indiana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.94% net worth ratio and a 1.05% delinquency rate.

How does CENTRA compare to other credit unions?

On PlainCU's health composite, CENTRA lands at 84/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

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?

Federal credit unions like CENTRA are 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."

What rates does CENTRA offer compared to banks?

Credit unions like CENTRA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CENTRA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for CENTRA. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.