# CENTRIS
Omaha, NE · NCUA charter 28 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/centris-28

Who the members are: federal charter, community charter, organized 1934, low-income designated. 131,382 members of 1,058,498 potential (12.4% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.48B |
| Members | 131,382 (-6.3% YoY) |
| Full-time staff | 307 |
| Net worth | $137.2M |
| Net worth ratio | 9.2% (p18 of band) |
| ROA (annualized) | 0.32% (p16 of band) |
| Total delinquency | 1.35% (p92 of band) |
| Net charge-offs (annualized) | 1.35% (p95 of band) |
| Loans / shares | 98% (p86 of band) |
| Cash / assets | 2.1% |
| Borrowings / assets | 3.10% |
| Net interest margin | 4.55% (p98 of band) |
| Operating expense / assets | 3.87% (p82 of band) |
| Vehicles % of loans | 37% (p72 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 283% (p82 of band) |
| Vehicle delinquency | 2.42% (p98 of band) |
| Vehicle NCO | 3.45% (p97 of band) |
| Repossessed % of vehicle book | 0.12% (p66 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 107% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 35% |
| Average share balance | $4,007 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $23.9M |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $23,118 |
| Loans granted, annualized | $422.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $23.9M outstanding purchased (17.4% of net worth), $1.7M sold and retained. Sold in 1 and bought in 6 of the last 8 quarters. Shares 6.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, losing money, expense trap, loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 5 |  | losing money |
| 2016-09 | 6 | net worth falling |  |
| 2016-12 | 5 |  | net worth falling |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | thin capital |
| 2019-03 | 5 | thin capital |  |
| 2019-06 | 6 | net worth falling |  |
| 2019-09 | 6 | delinquency 2x band | net worth falling |
| 2019-12 | 6 |  |  |
| 2020-03 | 6 | charge-offs p90 | delinquency 2x band |
| 2020-06 | 7 | net worth falling, losing money, delinquency 2x band | leaning on borrowings, charge-offs p90 |
| 2020-09 | 5 | leaning on borrowings | net worth falling, losing money, delinquency 2x band |
| 2020-12 | 3 |  | loans>95% of shares, leaning on borrowings |
| 2021-03 | 3 | net worth falling | expense trap |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 3 | loans>95% of shares |  |
| 2021-12 | 5 | expense trap, delinquency 2x band |  |
| 2022-03 | 6 | leaning on borrowings |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 5 |  | thin capital |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | thin capital, net worth falling | expense trap |
| 2023-12 | 4 |  | thin capital, net worth falling |
| 2024-03 | 4 | delinquency rising | leaning on borrowings |
| 2024-06 | 4 | thin capital | delinquency rising |
| 2024-09 | 5 | delinquency rising, leaning on borrowings | thin capital |
| 2024-12 | 3 |  | delinquency rising, leaning on borrowings |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 4 | leaning on borrowings | charge-offs p90 |
| 2025-09 | 5 | charge-offs p90 |  |
| 2025-12 | 7 | net worth falling, members leaving |  |
| 2026-03 | 6 |  | leaning on borrowings |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-28 [Centris Federal Credit Union celebrates groundbreaking for second Bellevue location - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWmlGZ0FHelliOFRIOG9GS3RXRnlIT3BtdHYtdmJCSXp2OTJqR2ExZHRoekRfcU5NZ0p1ZEx2cDFBaGxNZEFVbko3SS1wVnBkdFJDYVVZcV94SlhzU3dfSzRrOWd1aFBNbUp2RXFSak00SnZ0eXJPcHViQ0pkLXdWVnl6SmZaeGhCazFhUHJJZ01Fc1QwczdGUWZiUDNDY19SZnhPRHFxZXU3NER6ZGRJVERTVlBvdEE0ZjhDc2FfOGlEdw?oc=5) · CUInsight
- 2026-08-14 [Omaha police looking for suspect involved in Centris Federal Credit Union robbery - KETV](https://news.google.com/rss/articles/CBMimAFBVV95cUxNYlViTnhrMHhyY0NfZ0NOekhwbi1XOWtRX2dJMHNTcjB1bXl1SzQ1My1Ga0cyWm9sMU9KZ3d4c0o5RDFIMEU3aXBHU0hoc1RvQi1PTmZKTjcwWUM3QWlsRm5EMlM4a1NaTG00REdzTFBzR2NYc0RsemFyODd4VW5DS1ZaM1VYYzNtX2h4Qzl3R3JLVklnbmhnNA?oc=5) · KETV
- 2025-12-09 [Centris Federal Credit Union - Temenos](https://news.google.com/rss/articles/CBMiX0FVX3lxTFAwdExJR1ZwY0d2WkNsRl9SUGJfVkpYcjVuMTNFaGpvdXN0TDhRTmlNV2hQN0tSbURtUEQ2VGxQRno4YWZXYkN2QlNKdE1FbTJlZFhLWGh6Ql9RTk1PTnJj?oc=5) · Temenos
- 2025-04-01 [AI revolutionizes loan approvals at Centris Federal Credit Union - CUInsight](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMDBvLUtyUUxveHg4dm13VFhVUjhjbDg1Y3BOTVdEVVV5emhwZUJJZWxlV2pUVXlyaExuMF9WTzVQNjZLVjgydTRfVWtGb3l1NTEyREpTRl9GRnQxUlVhcFhQUEtQWlRXMk93OEhPaUtXY09NOEEwbjc4bDN2a3dvdGZmaDg4MWcwcElKSXV6RFc1OXhzdGc?oc=5) · CUInsight
- 2023-09-30 [Centris Federal Credit Union fees $1.2M class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNVjRzbFRlRW15dExrVVV5VHlTQUVGanY3dncwcjBmcjFOSXVKa0xVOTRmXzU4VjJ2Z0ZIOFpabWJzTDlvUk9VYVFoS3RlNEYzMDJyNzlOaW5qcnhNYzItd1pDUTFoU0pseUJ2QUVsamVkY3VOdV9yMTBTcXV6Rm5CWHdRTzZialRFLVU0TlVxVWVmVEN4UEhMcDFhX2huZkRCTWZkRGRkQjhRWEhtR1F2NE9sQ2kyWGlMQ0xGUFVPYXQ5QkNxdHlqOWY4d0pqeXBteEE?oc=5) · Top Class Actions
- 2022-03-11 [Omaha police searching for suspect who robbed Centris Credit Union - KETV](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRy1lUk44ejU0VlMzZHlDQV8xSzlvMzU1RUNnaHdXMnh3UGt3endYamxkM21EbHNqb1dRWENhbWJjRkxQa2NOTnBGNGJEM1E4Y3EtNmlqSm1Uenc0TzZyZjVwbnJJbDdZbWxSRDEzaVBoaVJmM2tzbmZBZE4ySHo5eXNXc2pVLXRTNnpLXzJtWDJpeG1CT0xKMUU0M2FpUERrN1d4LTFMdw?oc=5) · KETV
- 2026-06-26 [Smishing: How seven people allegedly stole several thousand dollars from credit union account holders - KETV](https://news.google.com/rss/articles/CBMic0FVX3lxTE1XY29DSExuS2xLZTl4ejN3b20xNHY1cFR2cTV2RFBWeDFRY05tdF9ncU42dmlYdFluV3BJa29lWVUyWGxnWW5QT21yUG9TZDFtUUNiNXpvOUR2TUw5MEt1OW9kdklwQl9KSzJCbXkwcGdxaHM?oc=5) · KETV
- 2022-10-20 [Agnes Farrell Obituary (1927 - 2022) - North Platte, NE - North Platte Telegraph - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMEFTRHpWX3dZU1pQYU1rRml1MUNXZ2t5NUwxNVN4ZHhldFpqSkN1SVNlUzJWa1BlTEM1RkV4UU5kSlVCVnVUWWtFc0hFSWdtWHdJc1JWT2FWQUxVUGVSMENWaEd2eEF5OVEzUmE1VXI1VVl0dDJCWEdlZ1otamN6N2VNTDRSZWtnMV9oT2l5Wmw0dw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=28 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "28", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=28
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide