Credit Union Safety Analysis
Is Cent Credit Union Safe? Mason City, Iowa
Based on its Q2 2026 NCUA 5300 call report, Cent Credit Union has a net worth ratio of 12.73%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.20%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Cent Credit Union's net worth ratio is 12.73%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.73%
- Delinquency ratio (60+ days) (Q2 2026): 0.20%
- Return on assets (Q2 2026): 0.97%
- Loan-to-share ratio (Q2 2026): 92.12%
Cent Credit Union (NCUA charter 65238, established 1965) reported $166.0M in assets and 11,556 members for Q2 2026 from Mason City, Iowa. It ranks 22 of 65 credit unions in Iowa by total assets. Total assets fell 3.8% from $172.5M on June 30, 2025. It has 109 more members than on June 30, 2025 (+1.0%). Its net worth ratio was up 1.25 percentage points from 11.48% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $89.6M of $133.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.50% for Q1 2026; 11.48% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.28% for Q1 2026; 0.12% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.82% for Q1 2026; 0.82% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 88.21% for Q1 2026; 81.93% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $89.6M
- Used vehicle loans: $26.4M
- New vehicle loans: $10.8M
- Other secured non-real estate loans and lines of credit: $6.0M
- Other unsecured loans and lines of credit: $414K
- Non-federally guaranteed student loans: $32K
- Unsecured credit card loans: $5K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $166.0M | 12.73% | 0.20% | 0.97% | 92.12% |
| March 31, 2026 | $165.9M | 12.50% | 0.28% | 0.82% | 88.21% |
| December 31, 2025 | $162.0M | 12.59% | 0.35% | 0.65% | 90.00% |
| September 30, 2025 | $167.8M | 12.00% | 0.44% | 0.80% | 86.77% |
| June 30, 2025 | $172.5M | 11.48% | 0.12% | 0.82% | 81.93% |
| March 31, 2025 | $174.8M | 11.12% | 0.32% | 0.39% | 79.10% |
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Free to use. It shows Cent Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 65238) · FFIEC NIC profile (RSSD 198998)
Frequently asked questions
Is Cent Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Cent Credit Union's net worth ratio is 12.73%, above the 7% NCUA threshold for well capitalized.
Is Cent Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Cent Credit Union is a federally insured credit union (NCUA charter 65238): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Cent Credit Union's key safety ratios?
For Q2 2026, Cent Credit Union reports net worth 12.73%, delinquency 0.20%, ROA 0.97%, loan-to-share 92.12%.
What happens to my money if Cent Credit Union fails?
For Q2 2026, Cent Credit Union held $144.6M in shares and deposits for 11,556 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.