2. CENT Credit Union

CENT Credit Union


Overview / Commentary
www.centcu.org
641-424-2368
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 2,300th largest credit union in the nation. It was established in 1965 and as of December of 2018, it had grown to 20 employees and 5,408 members at 1 location. CENT Credit Union's money market rates are 3X 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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Health
A

Data as of Q4 2018

Learn why bank health matters
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

Overall
NCUA #65238
Year Chartered1965
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.14%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$51.1MM$49.2MM
LoansQ4 2018vs Q4 2017$42.8MM$38.7MM
DepositsQ4 2018vs Q4 2017$43.6MM$41.6MM
Equity CapitalQ4 2018vs Q4 2017$7.3MM$7.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$208.00K$207.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$221.00K$818.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$25-Kids Club
2.02%--Christmas Club
0.50%--IRA Shares
0.10%$25-Regular Share

CENT Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$200k*-COIN Money Market
OTHER TIERS: 0.10% → Up to $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.01% → $100k - $200k

CENT Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*-$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$1k-36 Month Time Share Certificate
1.76%$1k-24 Month Time Share Certificate
1.26%$1k-12 Month Time Share Certificate
Locations


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

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