Cent

Mason City, IA · 2 · Charter #65238 · www.centcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$162.0M
76th percentile
Members
11,425
76th percentile
Total loans
$126.9M
89th percentile
Total shares
$141.0M
77th percentile

Profitability

Return on assets
0.76%
32th percentile
Net interest margin
3.48%
40th percentile
Efficiency ratio
56.86%
67th percentile
Non-interest income ratio
12.48%
27th percentile

Capital & Risk

Net worth ratio
12.59%
55th percentile
Delinquency rate
0.35%
76th percentile
Net charge-off rate
0.11%
82th percentile
Loan-to-share
90.00%
87th percentile

Growth

Member growth YoY
0.53%
65th percentile
Asset growth YoY
-4.34%
3th percentile
Loan growth YoY
4.28%
67th percentile
Share growth YoY
-5.64%
3th percentile

Operations

Members / branch
2,856
44th percentile
Assets / member
$14,175
48th percentile
Field of membership penetration
1.46%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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