CENT
State-Chartered • Mason City, Iowa • Est. 1965
Quick Facts
- Charter Number
- #65238
- Type
- State-Chartered
- Established
- 1965
- Headquarters
- Mason City, Iowa 50401-3219
- Address
- 25 W State ST
- Branches
- 4
- ATMs
- 4
- Members
- 11,425
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
11,425 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CENT |
|---|---|
| Total Assets | $162.0M |
| Members | 11,425 |
| Loans Outstanding | $126.9M |
| Shares & Deposits | $141.0M |
| Net Worth | $20.4M |
| Net Worth Ratio | 12.59% |
| Loan-to-Share Ratio | 90.0% |
| Delinquency Rate | 0.35% |
| Net Income | +$1,233,472 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
CENT CREDIT UNION BRANCH
3124 4th St SW
Mason City, IA 50401-1522
CENT Credit Union main office
Main Office25 W State ST
Mason City, IA 50401-3219
CENT CREDIT UNION
1411 INDUSTRIAL RD SW
LE MARS, IA 51031-3004
CENT Credit Union Branch
1101 Broadway St
Emmetsburg, IA 50536-1712
Who Can Join CENT?
Membership Type: Community
Membership eligibility for CENT may vary. Contact the credit union directly to confirm qualification requirements.
Contact CENT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Iowa RankingsFrequently Asked Questions
Yes. CENT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CENT has 11,425 members and a potential membership field of 782,375 people.
CENT's net worth ratio is 12.59% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.6%, CENT meets this threshold.
CENT operates 4 branch locations and has access to 4 ATMs. The main office is located at 25 W State ST, Mason City, IA 50401-3219.
CENT was established in 1965. It is a state-chartered credit union chartered under charter number 65238. The institution has been serving members for 61 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CENT. All financial data is for informational purposes only.