Federal credit union · Grand Island, Nebraska · NCUA charter #24189
Central Nebraska
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $11.4M
- Total assets
- 1,111
- Members
- 10.6%
- Net-worth ratio
Central Nebraska scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.4M; members 1,111; net-worth ratio 10.63%; health rank #1,998 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,998 of 4,374 health · 2025Q4Central Nebraska · health 85/100 · $11.4M · 2025Q4
- HEALTH 85/100
- NW 10.6%
- DELQ 0.16%
- ROA 1.02%
- ASSETS $11.4M
- MEM 1,111
- RANK #1,998/4,374
- PHOTO PITTSBURGH
- BOOK 24189
Call Report peers
Central Nebraska in the assets neighbourhood
Central Nebraska's $11.4M assets sit next to PITTSBURGH ($11.4M) 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.
Central Nebraska 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
85 Top 46% higher than 54% 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
Central Nebraska - Share Insurance Coverage
Charter #24189'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.
Central Nebraska vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.16% vs peer 1.15% (-0.99 pp).
- Largest lag: Net Worth Ratio at 10.63% vs peer 14.86% (-4.23 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Central Nebraska: in-state Call Report ranks
- In Nebraska, health place is #20 of 50 on the same NCUA-ratio sort used nationally.
- Assets rank #38 of 50 inside Nebraska ($11.4M reported).
- Member book place in Nebraska: #41 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central Nebraska Call Report trajectory
Central Nebraska: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $11.4M (2025Q4) to $11.7M (2026Q1).
- Net-worth ratio shifted -0.22 pp (10.85% → 10.63%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.63% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for Central Nebraska
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.63% | -4.23 pp |
| Delinquency Rate | 0.16% | -0.99 pp |
| Return on Assets | 1.02% | +0.31 pp |
| Member Growth | -3.31% | - |
| Loan-to-Share Ratio | 56.96% | -2.84 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Central Nebraska quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.7M | - |
| 2025Q4 | $11.4M | 1,111 |
| 2024Q4 | $11.8M | 1,149 |
| 2023Q4 | $11.7M | 1,158 |
Credit Union Details
- Charter Number
- 24189
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- Grand Island
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Central Nebraska.
| Office | City |
|---|---|
| Central NE FCU (Main Office) | Grand Island, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
Central Nebraska nationwide neighbourhoods
Cross-state asset and health neighbours for Central Nebraska - kept outside Nebraska; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Central Nebraska ranks #1,998 of 4,374 nationally on financial health and #20 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lincoln S.D.a. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lincoln S.D.a.
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 Central Nebraska financially healthy?
A 10.63% net worth ratio and a 0.16% delinquency rate feed into Central Nebraska's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,998 of 4,374; by total assets it ranks #3,486 of 4,374 nationally (same basis as /rankings/largest); and #38 of 50 within Nebraska. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Central Nebraska compare to other credit unions?
Central Nebraska scores 85/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Central Nebraska?
Central Nebraska operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Central Nebraska directly for the exact boundaries and application steps.
Is my money safe at Central Nebraska?
Federal credit unions like Central Nebraska 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. Central Nebraska's net worth ratio of 10.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Nebraska offer compared to banks?
Credit unions like Central Nebraska 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 Central Nebraska directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.