State credit union · Mason City, Iowa · NCUA charter #65238
CENT
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $162.0M
- Total assets
- 11,425
- Members
- 12.5%
- Net-worth ratio
CENT scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $162.0M; members 11,425; net-worth ratio 12.50%; health rank #378 of 4,374; healthier than 90th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#378 of 4,374 health · 2025Q4CENT · health 95/100 · $162.0M · 2025Q4
Call Report peers
CENT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CENT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENT sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CENT diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.80 pp (90.00% vs 72.20%).
CENT: in-state Call Report ranks
- In Iowa, health place is #7 of 66 on the same NCUA-ratio sort used nationally.
- Iowa assets place: #21 of 66.
- Iowa membership ordinal: #20 of 66.
- One place up in Iowa, River Community (#6) ties at 95/100; one place down, Lee County (#8) scores 94/100, 1 point lower.
How CENT's 5300 filing moved
CENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $162.0M (2025Q4) to $165.9M (2026Q1).
- Net-worth ratio shifted -0.09 pp (12.59% → 12.50%).
12.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
CENT gives up 5 points in total. Member Growth costs the most, 5.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 15.4 pts
CENT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.50% | +0.39 pp |
| Delinquency Rate | 0.35% | -0.55 pp |
| Return on Assets | 0.77% | +0.15 pp |
| Member Growth | 0.53% | - |
| Loan-to-Share Ratio | 90.00% | +17.80 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - CENT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $165.9M | - |
| 2025Q4 | $162.0M | 11,425 |
| 2024Q4 | $169.3M | 11,365 |
| 2023Q4 | $151.7M | 11,245 |
Credit Union Details
- Charter Number
- 65238
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Iowa
- City
- Mason City
- Data Quarter
- 2025Q4
Branch Locations (4)
CENT operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| CENT Credit Union main office (Main Office) | Mason City, IA |
| CENT Credit Union Branch | Emmetsburg, IA |
| CENT CREDIT UNION | LE MARS, IA |
| CENT CREDIT UNION BRANCH | Mason City, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Other-state peers near CENT
Using this data
- CENT ranks #378 of 4,374 nationally on financial health and #7 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Star Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Star Community
Frequently Asked Questions
Is CENT financially healthy?
CENT has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #378 of 4,374 nationally on health and #7 of 66 in Iowa. Its net worth ratio is 12.50% and its delinquency rate 0.35%.
How does CENT compare to other credit unions?
CENT scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.00% vs 72.20%).
How can I join CENT?
Membership eligibility for CENT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CENT directly for current membership requirements and application steps.
Is my money safe at CENT?
CENT is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CENT's net worth ratio of 12.50% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.