State credit union · HERMANTOWN, Minnesota · NCUA charter #68685
CENTRICITY
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $321.9M
- Total assets
- 22,037
- Members
- 13.4%
- Net-worth ratio
CENTRICITY scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $321.9M; members 22,037; net-worth ratio 13.42%; health rank #356 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#356 of 4,374 health · 2025Q4CENTRICITY · health 95/100 · $321.9M · 2025Q4
Call Report peers
CENTRICITY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CENTRICITY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENTRICITY 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
CENTRICITY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +24.93 pp (97.13% vs 72.20%).
Minnesota standing for CENTRICITY
- In Minnesota, health place is #9 of 82 on the same NCUA-ratio sort used nationally.
- By total assets, CENTRICITY is #19 of 82 in Minnesota.
- Minnesota membership ordinal: #17 of 82.
- One place up in Minnesota, Mid Minnesota (#8) scores 96/100, 1 point higher; one place down, Red Lake Co Op (#10) ties at 95/100.
How CENTRICITY's 5300 filing moved
CENTRICITY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.0% from $321.9M (2025Q4) to $337.9M (2026Q1).
- Net-worth ratio shifted -0.23 pp (13.65% → 13.42%).
13.42% 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
CENTRICITY gives up 5 points in total. Loan-to-Share Ratio costs the most, 3.2 of its 15; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.0 pts
Call Report ratios for CENTRICITY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.42% | +1.31 pp |
| Delinquency Rate | 0.70% | -0.19 pp |
| Return on Assets | 1.15% | +0.53 pp |
| Member Growth | 28.98% | - |
| Loan-to-Share Ratio | 97.13% | +24.93 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CENTRICITY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $337.9M | - |
| 2025Q4 | $321.9M | 22,037 |
| 2024Q4 | $243.0M | 17,086 |
| 2023Q4 | $243.8M | 18,282 |
Credit Union Details
- Charter Number
- 68685
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- HERMANTOWN
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, CENTRICITY runs 5 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| Hermantown Office (Main Office) | Hermantown, MN |
| Duluth Office | Duluth, MN |
| Denfeld Office | Duluth, MN |
| Proctor Office | Proctor, MN |
| Superior Office | Superior, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- CENTRICITY ranks #356 of 4,374 nationally on financial health and #9 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Minnesota Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Minnesota Valley
Frequently Asked Questions
Is CENTRICITY financially healthy?
CENTRICITY has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #356 of 4,374 nationally on health and #9 of 82 in Minnesota. Its net worth ratio is 13.42% and its delinquency rate 0.70%.
How does CENTRICITY compare to other credit unions?
CENTRICITY 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 (97.13% vs 72.20%).
How can I join CENTRICITY?
Membership eligibility for CENTRICITY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact CENTRICITY directly for current membership requirements and application steps.
Is my money safe at CENTRICITY?
CENTRICITY 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. CENTRICITY's net worth ratio of 13.42% 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.