CENT Credit Union

Overview / Commentary
25 W State St
Mason City, IA 50401

CENT Credit Union is headquartered in Mason City and is the 36th largest credit union in the state of Iowa. It is also the 2,270th largest credit union in the nation. It was established in 1965 and as of September of 2019, it had grown to 18 employees and 5,665 members at 1 location. CENT Credit Union's money market rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in CENT Credit Union is open to the following: (1) employees and professionals in the healthcare field within a 65-mile radius of Mason City; (2) employees of the city of Mason City, Iowa; (3) employees in Cerro Gordo County; (4) employees of the Federal Government, the United States Postal Service, the United States Parcel Service and the Federal Express Co., in Butler, Cerro Gordo, Floyd, Franklin, Hancock, Mitchell, Winnebago, Worth Counties in Iowa; (5) employees of select departments of the state of Iowa and other Select Employer Groups.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. CENT Credit Union has a relatively low asset base.

Health Grade Components

NCUA #65238
Year Chartered1965
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD1.5%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$53.3MM$51.3MM
LoansQ3 2019vs Q3 2018$46.3MM$42.8MM
DepositsQ3 2019vs Q3 2018$45.7MM$43.5MM
Equity CapitalQ3 2019vs Q3 2018$7.4MM$7.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$180.00K$172.00K
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$182.00K$377.00K
Real Estate OwnedQ3 2019vs Q3 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

CENT Credit Union Savings Account Rates

2.02%--Christmas Club
1.51%$25-Kids Club
0.50%--IRA Shares
0.10%$25-Regular Share

CENT Credit Union Money Market Rates

2.02%*$200k*-COIN Money Market
OTHER TIERS: 0.10% Up to $25k | 0.50% $25k - $50k | 1.01% $50k - $100k | 1.51% $100k - $200k

CENT Credit Union Checking Account Rates

3.04%*-$10kPerCENTage Checking
OTHER TIERS: 0.10% $10k+
0.50%*-$250kCENTsible Checking
OTHER TIERS: 0.01% $250k+
0.10%--CENTennial Checking

CENT Credit Union CD Rates

2.02%$1k-36 Month Time Share Certificate
1.76%$1k-24 Month Time Share Certificate
1.51%$1k-12 Month Time Share Certificate

CENT Credit Union Locations
Branch Office25 W State STMason City, IA 50401-3219

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