CENT
Mason City, IA · State Credit Union · Chartered in IA
Who can join
State government employees (special charter)
Members
11,472
Net Worth Ratio
12.50%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$165.9M
Peer Group 5
Members
11,472
as of latest quarter
Net Worth Ratio
12.50%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$165.9M
Total Shares
$144.5M
Total Loans
$127.5M
Net Income
$338K
Net Worth Ratio
12.50%
≥7% = Well Capitalized
Members
11,472
Return on Assets
0.20%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.06%
$76K
Loan-to-share ratio: 88.2%· healthy range 60–80%
Branch Locations
NCUACENT Credit Union main office
25 W State ST, Mason City, IA, 50401-3219
7:30-5:00 Monday thru Thursday 7:30-5:30 Friday 9:00-12:00 Saturday
CENT CREDIT UNION BRANCH
3124 4th St SW, Mason City, IA, 50401-1522
9:00-5:00 Monday thru Friday
CENT CREDIT UNION
1411 INDUSTRIAL RD SW, LE MARS, IA, 51031-3004
9 - 5
CENT Credit Union Branch
1101 Broadway St, Emmetsburg, IA, 50536-1712
Lobby - 9:00 AM - 4:00 PM Drive-Thru - 8:00 AM - 5:00 PM
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/cent" target="_blank" rel="noopener">View CENT on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.