Centricity Credit Union Hermantown, Minnesota
Centricity Credit Union is a state-chartered credit union headquartered in Hermantown, MN, established in 1943 (NCUA charter 68685), and it is regulated and insured by the NCUA. At Q2 2026 it reported 21,518 members and total assets of $340.5M (up 9.0% from Q2 2025), the 19th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 13.97% at Q2 2026, in the well capitalized band.
Also written as Centricity CU · Trade names filed with the NCUA: Proctor Credit Union a Division of Centricity Credit Union and Metro
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68685
- Headquarters
- Hermantown, MN
- Established
- 1943
- Total assets, Q2 2026
- $340.5M
- Assets vs Q2 2025
- +9.0%
- Members, Q2 2026
- 21,518
- Net worth ratio, Q2 2026
- 13.97%
- Latest call report
- Q2 2026, NCUA 5300 · Centricity Credit Union call report
- Asset rank in state
- 19th of 79 in Minnesota
- Routing number
- 291973739
- Branches
- 5
It has 634 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was up 0.94 percentage points from 13.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $113.3M of $251.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.97% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Minnesota
Credit unions merged into Centricity Credit Union
Proctor Federal Credit Union (2025)
Frequently asked about Centricity Credit Union
How big is Centricity Credit Union?
At Q2 2026 it reported total assets of $340.5M and 21,518 members.
Where is Centricity Credit Union headquartered?
It is headquartered in Hermantown, MN, United States.
When was Centricity Credit Union founded?
It was established in 1943, per NCUA records.
Is Centricity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68685): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Centricity Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Centricity Credit Union well capitalized?
Its net worth ratio was 13.97% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Centricity Credit Union's delinquency ratio?
Its delinquency ratio was 0.79% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Centricity Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 90.58% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hermantown, MN 55811
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1943
- NCUA Charter #
- 68685
- RSSD ID
- 162775
- Members
- 21,518
- Potential members
- 322,437
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.97% | 11.43% | 77th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.59% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 18.54% | 7.02% | over 90th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 5.00% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 60.50% | 76.55% | 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.99% | 1.24% | 69th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.79% | 0.68% | 44th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.00% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 90.58% | 75.66% | 84th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$340.5M total assets against $312.4M; $277.4M total shares and deposits against $254.6M; $251.3M total loans against $252.5M.
$47.6M net worth against $40.7M.
13.97% net worth ratio against 13.03%.
90.58% loan-to-share ratio against 99.16%.
0.79% delinquency ratio against 1.31%.
2.59% return on assets against 1.10%; 18.54% return on equity against 8.40%.
5.00% net interest margin against 5.09%.
21,518 members against 22,152.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.97% | 2.59% | 0.79% | 90.58% |
| March 31, 2026 | 13.42% | 1.69% | 0.61% | 91.56% |
| December 31, 2025 | 13.65% | 1.91% | 0.70% | 97.13% |
| September 30, 2025 | 13.59% | 2.17% | 0.69% | 99.56% |
| June 30, 2025 | 13.03% | 1.10% | 1.31% | 99.16% |
| March 31, 2025 | 12.59% | 0.80% | 0.79% | 93.19% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.