Federal credit union · West Monroe, Louisiana · NCUA charter #1982
CENTRIC
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $420.3M
- Total assets
- 36,999
- Members
- 12.0%
- Net-worth ratio
CENTRIC scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $420.3M; members 36,999; net-worth ratio 11.97%; health rank #2,596 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,596 of 4,374 health · 2025Q4CENTRIC · health 81/100 · $420.3M · 2025Q4
Call Report peers
CENTRIC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CENTRIC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENTRIC sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CENTRIC
- Loan-to-Share Ratio leads the peer set - 91.27% here, 72.20% peer average (+19.07 pp).
- Largest lag: Delinquency Rate at 1.47% vs peer 0.89% (+0.57 pp).
CENTRIC in Louisiana
- Health composite ranks #57 of 138 among scored Louisiana credit unions.
- Louisiana assets place: #12 of 138.
- Louisiana membership ordinal: #8 of 138.
- One place up in Louisiana, Gp Louisiana (#56) ties at 81/100; one place down, Post Office Employees (#58) ties at 81/100.
Quarter path for CENTRIC
CENTRIC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +8.0% from $420.3M (2025Q4) to $453.9M (2026Q1).
- Net-worth ratio shifted -0.81 pp (12.78% → 11.97%).
At 11.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
CENTRIC gives up 19 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.5 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 14.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.97% | -0.14 pp |
| Delinquency Rate | 1.47% | +0.57 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | -1.98% | - |
| Loan-to-Share Ratio | 91.27% | +19.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CENTRIC filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $453.9M | - |
| 2025Q4 | $420.3M | 36,999 |
| 2024Q4 | $394.2M | 37,747 |
| 2023Q4 | $368.0M | 42,166 |
Credit Union Details
- Charter Number
- 1982
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Louisiana
- City
- West Monroe
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for CENTRIC, spread across 4 cities.
| Office | City |
|---|---|
| Expo Circle Admin Center (Main Office) | West Monroe, LA |
| Grambling | Grambling, LA |
| Monroe Center | Monroe, LA |
| Pecanland Center | Monroe, LA |
| Mid City Monroe | Monroe, LA |
| Ruston Centric Center | Ruston, LA |
| Ruston Downtown | Ruston, LA |
| Thomas Road Centric Center | West Monroe, LA |
| Arkansas Road Centric Center | West Monroe, LA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Louisiana
A look at other Louisiana credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- CENTRIC ranks #2,596 of 4,374 nationally on financial health and #57 of 138 in LA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ESSENTIAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ESSENTIAL
Frequently Asked Questions
Is CENTRIC financially healthy?
CENTRIC has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,596 of 4,374 nationally on health and #57 of 138 in Louisiana. Its net worth ratio is 11.97% and its delinquency rate 1.47%.
How does CENTRIC compare to other credit unions?
CENTRIC scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (91.27% vs 72.20%). Its widest shortfall is delinquency rate (1.47% vs 0.89%).
How can I join CENTRIC?
CENTRIC 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 CENTRIC directly for the exact boundaries and application steps.
Is my money safe at CENTRIC?
CENTRIC is a federal 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. CENTRIC's net worth ratio of 11.97% 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.