Centra Credit Union Columbus, Indiana
Centra Credit Union is a state-chartered credit union headquartered in Columbus, IN, established in 1940 (NCUA charter 68287), and it is regulated and insured by the NCUA. At Q2 2026 it reported 138,394 members and total assets of $2.38B (up 6.4% from Q2 2025), the 6th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 12.34% at Q2 2026, in the well capitalized band.
Also written as Centra CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68287
- Headquarters
- Columbus, IN
- Established
- 1940
- Total assets, Q2 2026
- $2.38B
- Assets vs Q2 2025
- +6.4%
- Members, Q2 2026
- 138,394
- Net worth ratio, Q2 2026
- 12.34%
- Latest call report
- Q2 2026, NCUA 5300 · Centra Credit Union call report
- Asset rank in state
- 6th of 118 in Indiana
- Routing number
- 274972883
- Branches
- 29
It has 13,884 fewer members than on June 30, 2025 (-9.1%). Its net worth ratio was up 0.10 percentage points from 12.24% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $926.5M of $1.75B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.34% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Indiana
Credit unions merged into Centra Credit Union
Frequently asked about Centra Credit Union
How big is Centra Credit Union?
At Q2 2026 it reported total assets of $2.38B and 138,394 members.
Where is Centra Credit Union headquartered?
It is headquartered in Columbus, IN, United States.
When was Centra Credit Union founded?
It was established in 1940, per NCUA records.
Is Centra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68287): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Centra Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Centra Credit Union well capitalized?
Its net worth ratio was 12.34% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Centra Credit Union's delinquency ratio?
Its delinquency ratio was 0.96% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Centra Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.47% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Columbus, IN 47201
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 68287
- RSSD ID
- 461674
- Members
- 138,394
- Potential members
- 4,503,984
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.34% | 10.89% | 71st above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.49% | 0.89% | 84th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.07% | 8.07% | 82nd top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.00% | 3.45% | 83rd top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.94% | 70.59% | 72nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.48% | 1.68% | 66th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.96% | 0.68% | 31st below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.49% | 5.12% | 76th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 84.47% | 88.03% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.38B total assets against $2.23B; $2.07B total shares and deposits against $1.95B; $1.75B total loans against $1.64B.
$293.2M net worth against $273.6M.
12.34% net worth ratio against 12.24%.
84.47% loan-to-share ratio against 84.26%.
0.96% delinquency ratio against 1.00%.
1.49% return on assets against 0.93%; 12.07% return on equity against 7.60%.
4.00% net interest margin against 3.63%.
138,394 members against 152,278.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.34% | 1.49% | 0.96% | 84.47% |
| March 31, 2026 | 11.94% | 0.93% | 0.77% | 81.38% |
| December 31, 2025 | 12.00% | 0.48% | 1.05% | 83.92% |
| September 30, 2025 | 12.30% | 0.85% | 1.18% | 85.46% |
| June 30, 2025 | 12.24% | 0.93% | 1.00% | 84.26% |
| March 31, 2025 | 12.06% | 0.57% | 0.62% | 83.53% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.