Credit Union Safety Analysis
Is Centra Credit Union Safe? Columbus, Indiana
Based on its Q2 2026 NCUA 5300 call report, Centra Credit Union has a net worth ratio of 12.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.96%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Centra Credit Union's net worth ratio is 12.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.34%
- Delinquency ratio (60+ days) (Q2 2026): 0.96%
- Return on assets (Q2 2026): 1.49%
- Loan-to-share ratio (Q2 2026): 84.47%
Centra Credit Union (NCUA charter 68287, established 1940) reported $2.38B in assets and 138,394 members for Q2 2026 from Columbus, Indiana. It ranks 6 of 118 credit unions in Indiana by total assets. Total assets grew 6.4% from $2.23B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.94% for Q1 2026; 12.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.77% for Q1 2026; 1.00% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.93% for Q1 2026; 0.93% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 81.38% for Q1 2026; 84.26% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $926.5M
- Commercial loans: $340.0M
- Used vehicle loans: $303.9M
- Unsecured credit card loans: $56.0M
- New vehicle loans: $47.6M
- Other unsecured loans and lines of credit: $39.0M
- Other secured non-real estate loans and lines of credit: $31.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.38B | 12.34% | 0.96% | 1.49% | 84.47% |
| March 31, 2026 | $2.38B | 11.94% | 0.77% | 0.93% | 81.38% |
| December 31, 2025 | $2.32B | 12.00% | 1.05% | 0.48% | 83.92% |
| September 30, 2025 | $2.26B | 12.30% | 1.18% | 0.85% | 85.46% |
| June 30, 2025 | $2.23B | 12.24% | 1.00% | 0.93% | 84.26% |
| March 31, 2025 | $2.22B | 12.06% | 0.62% | 0.57% | 83.53% |
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Free to use. It shows Centra Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68287) · FFIEC NIC profile (RSSD 461674)
Frequently asked questions
Is Centra Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Centra Credit Union's net worth ratio is 12.34%, above the 7% NCUA threshold for well capitalized.
Is Centra Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Centra Credit Union is a federally insured credit union (NCUA charter 68287): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Centra Credit Union's key safety ratios?
For Q2 2026, Centra Credit Union reports net worth 12.34%, delinquency 0.96%, ROA 1.49%, loan-to-share 84.47%.
What happens to my money if Centra Credit Union fails?
For Q2 2026, Centra Credit Union held $2.07B in shares and deposits for 138,394 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.