Centris Credit Union

11718 M Circle
Omaha, NE 68137
800.334.2328
www.centrisfcu.org

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Centris Credit Union is headquartered in Omaha and is the 2^nd largest credit union in the state of Nebraska. It is also the 428^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 206 employees and 73,114 members. Centris Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Centris Credit Union Checking Account Rates

Apy	Min	Max	Product
0.40%	-	$25k	eChecking
0.20%	$10k	-	Checking Plus
0.05%	-	-	Direct Checking

Centris Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$50k	-	Market Rate Savings
0.20%	$10k	-	IRA Savings
0.15%	-	-	Club
0.10%	-	-	Rafferty
0.10%	-	-	Regular Savings
0.10%	-	-	CU Succeed

Centris Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$75k	-	Investors Plus Money Market

Centris Credit Union CD Rates

Apy	Min	Max	Product
1.65%	$90k	-	60 Month Jumbo Share Certificate
1.55%	$90k	-	48 Month Jumbo Share Certificate
1.55%	$500	-	60 Month Share Certificate
1.45%	$500	-	48 Month Share Certificate
1.15%	$90k	-	36 Month Jumbo Share Certificate
1.05%	$500	-	36 Month Share Certificate
0.90%	$90k	-	24 Month Jumbo Share Certificate
0.80%	$90k	-	18 Month Jumbo Share Certificate
0.80%	$500	-	24 Month Share Certificate
0.70%	$500	-	18 Month Share Certificate
0.65%	$90k	-	12 Month Jumbo Share Certificate
0.65%	$90k	-	13 Month Jumbo Share Certificate
0.55%	$90k	-	9 Month Jumbo Share Certificate
0.55%	$500	-	12 Month Share Certificate
0.55%	$500	-	13 Month Share Certificate
0.50%	$90k	-	6 Month Jumbo Share Certificate
0.50%	$90k	-	7 Month Jumbo Share Certificate
0.45%	$500	-	9 Month Share Certificate
0.40%	$500	-	6 Month Share Certificate
0.40%	$500	-	7 Month Share Certificate
0.30%	$100	-	12 Month Add-On Share Certificate
0.25%	$90k	-	3 Month Jumbo Share Certificate
0.20%	$100	-	9 Month Add-On Share Certificate
0.15%	$500	-	3 Month Share Certificate
0.15%	$100	-	6 Month Add-On Share Certificate

Centris Credit Union IRA Rates

Apy	Min	Max	Product
1.65%	$90k	-	60 Month IRA Jumbo Certificate
1.55%	$500	-	60 Month IRA Certificate
1.55%	$90k	-	48 Month IRA Jumbo Certificate
1.45%	$500	-	48 Month IRA Certificate
1.15%	$90k	-	36 Month IRA Jumbo Certificate
1.05%	$500	-	36 Month IRA Certificate
0.90%	$90k	-	24 Month IRA Jumbo Certificate
0.80%	$500	-	24 Month IRA Certificate
0.80%	$90k	-	18 Month IRA Jumbo Certificate
0.70%	$500	-	18 Month IRA Certificate
0.65%	$90k	-	12 Month IRA Jumbo Certificate
0.65%	$90k	-	13 Month IRA Jumbo Certificate
0.55%	$500	-	12 Month IRA Certificate
0.55%	$500	-	13 Month IRA Certificate
0.55%	$90k	-	9 Month IRA Jumbo Certificate
0.50%	$90k	-	6 Month IRA Jumbo Certificate
0.50%	$90k	-	7 Month IRA Jumbo Certificate
0.45%	$500	-	9 Month IRA Certificate
0.40%	$500	-	6 Month IRA Certificate
0.40%	$500	-	7 Month IRA Certificate
0.30%	$100	-	12 Month Add-On IRA Certificate
0.25%	$90k	-	3 Month IRA Jumbo Certificate
0.20%	$100	-	9 Month Add-On IRA Certificate
0.15%	$500	-	3 Month IRA Certificate
0.15%	$100	-	6 Month Add-On IRA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CENTRIS
NCUA #	28
BankRate Report	View
Year Chartered	1934
Employees	206
Primary Regulator
Assets and Liabilities
Assets	$459.01 million
Loans	$381.13 million
Deposits	$390.11 million
Equity Capital	$40.65 million
Loan Loss Allowance	$4.01 million
Unbacked Noncurrent Loans	$9.24 million
Real Estate Owned	$256,000
Historic Data - December 2010
Assets	$431.35 million
Equity Capital	$36.77 million
Loan Loss Allowance	$6.35 million
Unbacked Noncurrent Loans	$12.56 million
Real Estate Owned	$98,000
Profit Margin - Quarterly
Net Interest Margin	5.03%
Return on Assets	0.69%
Return on Equity	7.74%
Interest Income	$22.84 million
Non-Interest Income	$10.97 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Centris Credit Union had $9.49 million in non-current loans and owned real-estate with $44.66 million in equity and loan loss allowances on hand to cover it. This gives Centris Credit Union a Texas Ratio of 21.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Centris Credit Union decreased slightly from 29.36% as of December 31, 2010 to 21.26% as of December 31, 2011, resulting in a positive change of 27.59%.This indicates that the balance sheet and financial strength for Centris Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Centris Credit Union has increased its total deposits by $23 million, resulting in 6.27% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Centris Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Centris Credit Union has $459.01 million in assets with $44.66 million in equity, resulting in a capitalization level of 9.73%, which is average.