Centricity

HERMANTOWN, MN · 2 · Charter #68685 · www.centricity.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$321.9M
21th percentile
Members
22,037
33th percentile
Total loans
$254.7M
38th percentile
Total shares
$262.2M
17th percentile

Profitability

Return on assets
1.82%
92th percentile
Net interest margin
5.03%
99th percentile
Efficiency ratio
59.10%
49th percentile
Non-interest income ratio
17.50%
40th percentile

Capital & Risk

Net worth ratio
13.65%
82th percentile
Delinquency rate
0.70%
51th percentile
Net charge-off rate
0.58%
33th percentile
Loan-to-share
97.13%
88th percentile

Growth

Member growth YoY
28.98%
99th percentile
Asset growth YoY
32.48%
99th percentile
Loan growth YoY
37.98%
99th percentile
Share growth YoY
38.84%
99th percentile

Operations

Members / branch
4,407
46th percentile
Assets / member
$14,606
35th percentile
Field of membership penetration
6.83%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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