CENT Credit Union

CENT Credit Union


Overview / Commentary
641-424-2368
25 W State St
Mason City, IA 50401

CENT Credit Union is headquartered in Mason City and is the 21st largest credit union in the state of Iowa. It is also the 1,378th largest credit union in the nation. It was established in 1965 and as of March of 2025, it had grown to 34 employees and 11,386 members at 4 locations. CENT Credit Union 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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Health
A+

Health Grade Components

Overall
NCUA #65238
Year Chartered1965
Employees34
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD3.52%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$174.8MM$161.3MM
LoansQ1 2025vs Q1 2024$122.4MM$115.9MM
DepositsQ1 2025vs Q1 2024$154.8MM$143MM
Equity CapitalQ1 2025vs Q1 2024$19.4MM$18.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$430K$320K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$397K$341K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


CENT Credit Union Locations
Branch Office25 W State STMason City, IA 50401-3219
Branch Office3124 4th St SWMason City, IA 50401-1522
Branch Office1411 INDUSTRIAL RD SWLE MARS, IA 51031-3004
Branch Office1101 Broadway StEmmetsburg, IA 50536-1712

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