State credit union · Mason City, Iowa · NCUA charter #65238
Cent
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $162.0M
- Total assets
- 11,425
- Members
- 7.5%
- Net-worth ratio
Cent - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65238, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Cent - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)79
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.46% | 30% |
| Delinquency Rate | 0.35% | 25% |
| Return on Assets | 0.77% | 15% |
| Member Growth | 0.53% | 15% |
| Loan-to-Share Ratio | 90.00% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cent
Cent is a state credit union headquartered in Mason City, Iowa, serving 11,425 members with $162.0M in total assets and $126.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 88/100 (Excellent), anchored by a net worth ratio of 7.46% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #65238 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.35% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 90.00% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.77% on net income of $1.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.53%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cent financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Cent carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.46% net worth ratio and a 0.35% delinquency rate.
How does Cent compare to other credit unions?
PlainCU's health composite puts Cent at 88/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Cent are 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 7.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cent offer compared to banks?
Credit unions like Cent are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cent directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.