CENTRICITY
State-Chartered • HERMANTOWN, Minnesota • Est. 1943
Quick Facts
- Charter Number
- #68685
- Type
- State-Chartered
- Established
- 1943
- Headquarters
- HERMANTOWN, Minnesota 55811
- Address
- 4477 LAVAQUE RD
- Branches
- 5
- ATMs
- 5
- Members
- 22,037
- 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
22,037 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CENTRICITY |
|---|---|
| Total Assets | $321.9M |
| Members | 22,037 |
| Loans Outstanding | $254.7M |
| Shares & Deposits | $262.2M |
| Net Worth | $43.9M |
| Net Worth Ratio | 13.65% |
| Loan-to-Share Ratio | 97.1% |
| Delinquency Rate | 0.70% |
| Net Income | +$6,400,355 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
Hermantown Office
Main Office4477 Lavaque Rd
Hermantown, MN 55811
Duluth Office
2501 London Rd
Duluth, MN 55812
Superior Office
25 Belknap St
Superior, WI 54880
Denfeld Office
3924 Grand Ave
Duluth, MN 55807
Proctor Office
410 N 2nd Ave
Proctor, MN 55810-2206
Who Can Join CENTRICITY?
Membership Type: Community
Membership eligibility for CENTRICITY may vary. Contact the credit union directly to confirm qualification requirements.
Contact CENTRICITY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. CENTRICITY 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, CENTRICITY has 22,037 members and a potential membership field of 322,832 people.
CENTRICITY's net worth ratio is 13.65% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.7%, CENTRICITY meets this threshold.
CENTRICITY operates 5 branch locations and has access to 5 ATMs. The main office is located at 4477 Lavaque Rd, Hermantown, MN 55811.
CENTRICITY was established in 1943. It is a state-chartered credit union chartered under charter number 68685. The institution has been serving members for 83 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CENTRICITY. All financial data is for informational purposes only.