TellerScore

Headquartered in West Monroe, Louisiana, Centric Federal Credit Union is a federal credit union with $447.5M in total assets and $385.1M in member shares and deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1937.

Based on its Q2 2026 filing, Centric Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 136 credit unions headquartered in Louisiana, it ranks 93rd. Its strongest component is problem-loan coverage (80/100; 10.1%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Net worth ratio: 12.31%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.38%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity69/100
Loans ÷ shares: 90.8% · 14.4% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.13%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (55 → 62), mostly because the loan quality component improved by 18 points.

TellerScore
556166Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202462
Q1 202559
Q2 202555
Q3 202562
Q4 202563
Q1 202663
Q2 202662
Net worth ratio
7.00%10.03%13.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.03%
Q3 202413.06%
Q4 202412.97%
Q1 202512.46%
Q2 202512.34%
Q3 202512.56%
Q4 202512.78%
Q1 202611.97%
Q2 202612.31%
Delinquent loans (60+ days)
1.18%1.55%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.38%
Q3 20241.34%
Q4 20241.74%
Q1 20251.57%
Q2 20251.92%
Q3 20251.34%
Q4 20251.47%
Q1 20261.18%
Q2 20261.38%
Return on assets
0.25%0.52%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.79%
Q3 20240.71%
Q4 20240.73%
Q1 20250.25%
Q2 20250.36%
Q3 20250.39%
Q4 20250.62%
Q1 20260.45%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$447.5M12.31%1.38%0.58%90.8%
Q1 202663$453.9M11.97%1.18%0.45%87.8%
Q4 202563$420.3M12.78%1.47%0.62%91.3%
Q3 202562$416.7M12.56%1.34%0.39%90.2%
Q2 202555$420.4M12.34%1.92%0.36%88.5%
Q1 202559$412.5M12.46%1.57%0.25%87.2%
Q4 202462$394.2M12.97%1.74%0.73%91.4%
Q3 202466$385.4M13.06%1.34%0.71%92.7%
Q2 202466$381.8M13.03%1.38%0.79%93.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.31%
61st
Problem loans1.38%
16th
Net charge-offs0.96%
11th
Return on assets0.58%
36th
Loans to deposits90.8%
15th
Uninsured deposits14.4%
6th
Loan-loss reserves0.00%
50th
Texas ratio10.1%
13th

Similar-size credit unions in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
Cse Federal Credit UnionCredit union Lake Charles, LA65 out of 100, Moderate$446.2M11.3%1.16%vs
Baton Rouge Telco Federal Credit UnionCredit union Baton Rouge, LA71 out of 100, Strong$457.7M12.4%0.36%vs
Essential Credit UnionCredit union Baton Rouge, LA50 out of 100, Below average$434.2M9.1%1.45%vs
Ouachita Valley Federal Credit UnionCredit union West Monroe, LA80 out of 100, Strong$464.1M13.1%0.78%vs
Riverland Federal Credit UnionCredit union New Orleans, LA78 out of 100, Strong$319.7M15.8%0.55%vs
The New Orleans Firemen'S Federal Credit UnionCredit union Metairie, LA58 out of 100, Moderate$283.9M11.7%1.19%vs

Deposit insurance

Is my money safe at Centric Federal Credit Union?

Yes. Centric Federal Credit Union is a federally insured credit union (NCUA charter #1982). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 14.4% of shares and deposits ($55.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.31%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Centric Federal Credit Union lists 8 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Centric Federal Credit Union
Type
Federal credit union
NCUA charter #
1982
RSSD ID
283876
Primary regulator
NCUA
Established
1937
Headquarters
213 Expo Cir, West Monroe, LA 71292
Employees
127

Quick answers

Centric Federal Credit Union: common questions

Is Centric Federal Credit Union NCUA insured?

Yes. Centric Federal Credit Union is a federally insured credit union (NCUA charter #1982). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Centric Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Centric Federal Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near West Monroe

InstitutionScoreAssetsCapitalProblem loansCompare
Gibsland Bank & Trust CompanyBank Gibsland, LA81 out of 100, Strong$574.3M16.5%0.61%vs
Ouachita Valley Federal Credit UnionCredit union West Monroe, LA80 out of 100, Strong$464.1M13.1%0.78%vs
Louisiana Machinery Employees Federal Credit UnionCredit union Monroe, LA79 out of 100, Strong$3.9M22.4%0.00%vs
Century Next BankBank Ruston, LA77 out of 100, Strong$916.4M11.9%0.12%vs
Sevenfold Federal Credit UnionCredit union West Monroe, LA73 out of 100, Strong$52.5M13.8%1.86%vs
Bank of Oak RidgeBank Oak Ridge, LA72 out of 100, Strong$138.6M11.6%0.00%vs