# CENTRA
COLUMBUS, IN · NCUA charter 68287 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/centra-68287

Who the members are: state charter, organized 1940, low-income designated. 139,152 members of 4,503,984 potential (3.1% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.38B |
| Members | 139,152 (-8.8% YoY) |
| Full-time staff | 418 |
| Net worth | $284.3M |
| Net worth ratio | 11.9% (p70 of band) |
| ROA (annualized) | 0.93% (p69 of band) |
| Total delinquency | 0.77% (p65 of band) |
| Net charge-offs (annualized) | 0.96% (p83 of band) |
| Loans / shares | 81% (p36 of band) |
| Cash / assets | 9.4% |
| Borrowings / assets | 0.42% |
| Net interest margin | 3.84% (p83 of band) |
| Operating expense / assets | 3.64% (p73 of band) |
| Vehicles % of loans | 21% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 57% (p26 of band) |
| Vehicle delinquency | 1.26% (p86 of band) |
| Vehicle NCO | 2.89% (p95 of band) |
| Repossessed % of vehicle book | 0.16% (p74 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 113% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 27% |
| Average share balance | $5,648 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $23.9M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $23,621 |
| Loans granted, annualized | $498.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $23.9M outstanding purchased (8.4% of net worth), $31.5M sold and retained. Sold in 5 and bought in 2 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | members leaving |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | loans>95% of shares |  |
| 2020-03 | 2 | net worth falling | loans>95% of shares |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency 2x band |  |
| 2023-03 | 2 |  | delinquency 2x band |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 2 | net worth falling | charge-offs p90 |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 1 |  | 3rd-party paper>100% NW |
| 2025-09 | 0 |  | members leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, members leaving |  |

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

- 2026-04-14 [Centra Credit Union names four to leadership team - CUInsight](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcFB5TkRSVEN6ZjRuY0FZZGJ4dXdIYldwU0U1ZlVEaFJVZDB2anpOMXBfVnhVR01TZzdnZDJicTlSSFhXOGEyRjJJMHRiS3ZSYXFCRk1PYm84bHpVQ2VhU3NNUFlRcDhCb1VnbHRuNW9CalJZQzNCRXBfQ1c5elJuWnpnWFdZeEsxWktVdmNEaERqUDNZ?oc=5) · CUInsight
- 2026-07-04 [Centra named best-in-state credit union by Forbes - The Republic News](https://news.google.com/rss/articles/CBMikwFBVV95cUxORjVHX3dfdTc1NS1qemxpaGxVWkFjeXVMMndFQjllWER3cnNobVpSTVdPanE0QVlUTlIzTk1vVnpHSkJuS0M3amRocWVMM0lKMmhVNDRzWk94ZERNZmd1UEZUWFlpelF5MzdiQy1tbElocTdpVzIzcjM3TzZQWm16WTliaDVUZ0dmT1A4UnJQcE5Jazg?oc=5) · The Republic News
- 2026-07-29 [Centra Credit Union Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1DRjNLdng1OENuYUhxR1p3OHRzcEZzalhoT3g1eVpWNjNCTTZ6MlVNZV9SWGVFbGNtcXR2bjdRTFZ0OVdfQlMzNjhwQjBlVTNXVU1EaG9HWlhEOWZaWGMwNTBhaUFTZXQtS0JvaUZhbkJyUVVYUkE?oc=5) · reveliolabs.com
- 2026-09-02 [A bigger Day of Caring: DCUF & Centra Credit Union introduce blood drive initiative - greensburgdailynews.com](https://news.google.com/rss/articles/CBMijwJBVV95cUxNUlFHTlJhcjZYSWUyUnJHLUFyeWhBNF9zYTRNU2lqaS1xRzFib2oyTnRiZTNsNF85QlhnVjJDdnpObXVaUlBJRVNRbFh5SlBMc2cxNHB5YXdURy1FTk1vRlJCeGpvVnFkY1N1LXdSRWptUl8yanViV1BKcmtTbFBWOEF4dW1odzJTbG1HLVo4TU1QQVRSSXlQVFVzX3RFRzllVmVsQTJhaFNzd1RzQmVuLU8tVWNNVnZQTml6S0xuR04tTm1SWnpQendUWklqb2pwOTF1N1R6ZThZV0lMY1laTXNoRkE4ZHZOMGdIcUlrbk1xZ1MxQ3lXTnRFMTFzSW10WHo0VGp6TXQxSzhPRzNr?oc=5) · greensburgdailynews.com
- 2025-11-06 [Brad Davis Set to Become New CEO of Indiana’s Centra Credit Union - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxQQmFJWkRCOUtYSmQxd09CNmhJdG9FY3lzSi1NQ1JUZUFVZ1JZbk1MakdKLV9uSW9LVWppOGZDRHdmbUNWdDJzamNvZ0IyMzRjZnpGdmJOTkV6U0hCVTVjSjZzUTQ3RzlZdFpmZGoxblVnbGdxdkU3RWRJeTB5b0QwREhRdk82WjVWVmRDNGwtMUFVbTM5X243elg4a1U5MWFJSWc?oc=5) · CUTimes
- 2026-08-14 [Bank fraud, forged checks and elderly victims: Indiana credit union manager gets 3 years in prison - Washington Times](https://news.google.com/rss/articles/CBMisgFBVV95cUxQYzhEV0J6bndObjRqMkw5SEpUZUFBOGJCTnNTVldXWmVMc0ROR21FWE9sUFktMmpGTU1mV21kQTBqWmlBUlk5S0xPSjAzRWxTRFl0b1ZIMWhkdkFhdU1wUmprSTZTYmQtMEp6RWdIcUFSakItYzV0YjRza0U3bnpiUmdDVllxU2xESzdkak5FQUVzS05WUWVQVWNQZlFzQU90ZU1aYnNhSWR0NmJ4elcyWW5n?oc=5) · Washington Times
- 2026-02-25 [Centra Credit Union announces special dividend payment - giant.fm](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPT3RySWFydy1sVXZzR0lRSlZQcFJ0TTY1WHR5Y3M1UXJZMHFvMU0tVFJtR1J3aS1rOVFkd1lDMExiaFVlQUtkcjNLdEZnYUVKeHRjelNmT2lDOW9LM2I1Q2oyZjVDOGNCOWhhcHFyR2Z6Y3VMNUp6TkJFRE9IUXg5ckRwRkFCMmxrdmNwOXVLdkNUSWpUd2tEaTZWa1JuNmU0ZjAwT0gtcW5yZw?oc=5) · giant.fm
- 2025-11-03 [Centra Credit Union CEO set to reire January 9 - The Xenia Gazette](https://news.google.com/rss/articles/CBMikAFBVV95cUxOa0RCSnNlTFRsZF9rNFJERkNQTE5lS1E4TFZTWk5aQkdhbWNENVNvemRtdzlWOG5YMjdWS05YV1RyU3lDYzBlYjJaUjhQLUNobTJxMGJiTzRGdndnV1FZb0dSM2hXMkNLTWpyXzVTTEpoc0oxbUxxYktyVWNvWks0RklTVXZTY2xmYWc4emxKMG0?oc=5) · The Xenia Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68287 (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/63.json (key "68287", 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=68287
- 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