Federal credit union · Omaha, Nebraska · NCUA charter #28
CENTRIS
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $1.46B
- Total assets
- 132,339
- Members
- 9.4%
- Net-worth ratio
CENTRIS scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.46B; members 132,339; net-worth ratio 9.44%; health rank #3,776 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,776 of 4,374 health · 2025Q4CENTRIS · health 67/100 · $1.46B · 2025Q4
- NCUSIF 67/100
- CAMELS 9.4%
- HEALTH 1.90%
- NW 0.62%
- DELQ $1.46B
- ROA 132,339
- ASSETS #3,776/4,374
- MEM FREEDOM
- RANK 28
CENTRIS in the assets neighbourhood
CENTRIS's $1.46B assets sit next to FREEDOM ($1.46B) 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.
CENTRIS 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
67 13th percentile higher than 13% 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
CENTRIS - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #28 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
CENTRIS vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 103.05% here, 83.90% peer average (+19.15 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.74 pp (9.44% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Nebraska standing for CENTRIS
- Nebraska health ordinal: #42 of 50.
- Nebraska assets place: #1 of 50.
- Nebraska membership ordinal: #1 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.
CENTRIS: 2025Q4 → 2026Q1
CENTRIS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $1.46B (2025Q4) to $1.48B (2026Q1).
- Net-worth ratio shifted -0.07 pp (9.51% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 13.3 pts
- Return on Assets 15.0 pts
- Member Growth 1.1 pts
- Loan-to-Share Ratio 9.0 pts
Call Report ratios for CENTRIS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -1.74 pp |
| Delinquency Rate | 1.90% | +1.02 pp |
| Return on Assets | 0.62% | +0.12 pp |
| Member Growth | -4.36% | - |
| Loan-to-Share Ratio | 103.05% | +19.15 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 | $1.48B | - |
| 2025Q4 | $1.46B | 132,339 |
| 2024Q4 | $1.35B | 138,379 |
| 2023Q4 | $1.30B | 130,436 |
Credit Union Details
- Charter Number
- 28
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Nebraska
- City
- Omaha
- Data Quarter
- 2025Q4
Branch Locations (14)
CENTRIS operates 14 offices across 6 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Omaha, NE |
| Bellevue Branch | Bellevue, NE |
| Council Bluffs Branch | Council Bluffs, IA |
| East Council Bluffs Branch | Council Bluffs, IA |
| Grand Island Branch | Grand Island, NE |
| LaVista Branch | LaVista, NE |
| North Platte Branch | North Platte, NE |
| South Omaha Branch | Omaha, NE |
| Dodge Branch | Omaha, NE |
| 117th Branch | Omaha, NE |
| Maple Location | Omaha, NE |
| 168th Branch | Omaha, NE |
| Harrison Branch | Omaha, NE |
| North Omaha Branch | Omaha, 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.
CENTRIS nationwide neighbourhoods
Two NCUA Call Report peer sets for CENTRIS, both outside Nebraska so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.46B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- CENTRIS ranks #3,776 of 4,374 nationally on financial health and #42 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COBALT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COBALT
- 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 CENTRIS financially healthy?
Yes/no aside, the number is 67/100 (Good) - CENTRIS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,776 of 4,374; by total assets it ranks #331 of 4,374 nationally (same basis as /rankings/largest); and #1 of 50 within Nebraska. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.44% net worth ratio and 1.90% delinquency rate are the key drivers.
How does CENTRIS compare to other credit unions?
Five weighted metrics from NCUA filings produce CENTRIS's 67/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 CENTRIS?
CENTRIS 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 CENTRIS directly for the exact boundaries and application steps.
Is my money safe at CENTRIS?
Federal credit unions like CENTRIS 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. CENTRIS's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CENTRIS offer compared to banks?
Credit unions like CENTRIS 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 CENTRIS 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.