Credit Union Safety Analysis
Is Centricity Credit Union Safe? Hermantown, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Centricity Credit Union has a net worth ratio of 13.97%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, 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, Centricity Credit Union's net worth ratio is 13.97%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.97%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 2.59%
- Loan-to-share ratio (Q2 2026): 90.58%
Centricity Credit Union (NCUA charter 68685, established 1943) reported $340.5M in assets and 21,518 members for Q2 2026 from Hermantown, Minnesota. It ranks 19 of 79 credit unions in Minnesota by total assets. Total assets grew 9.0% from $312.4M on June 30, 2025. 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.
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: 13.42% for Q1 2026; 13.03% 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: 0.61% for Q1 2026; 1.31% 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: 1.69% for Q1 2026; 1.10% 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: 91.56% for Q1 2026; 99.16% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $113.3M
- Used vehicle loans: $72.6M
- Other secured non-real estate loans and lines of credit: $29.5M
- New vehicle loans: $17.0M
- Commercial loans: $12.3M
- Other unsecured loans and lines of credit: $6.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $340.5M | 13.97% | 0.79% | 2.59% | 90.58% |
| March 31, 2026 | $337.9M | 13.42% | 0.61% | 1.69% | 91.56% |
| December 31, 2025 | $321.9M | 13.65% | 0.70% | 1.91% | 97.13% |
| September 30, 2025 | $311.9M | 13.59% | 0.69% | 2.17% | 99.56% |
| June 30, 2025 | $312.4M | 13.03% | 1.31% | 1.10% | 99.16% |
| March 31, 2025 | $316.5M | 12.59% | 0.79% | 0.80% | 93.19% |
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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.
Centricity Credit Union profile
Regulator records: NCUA credit union profile (charter 68685) · FFIEC NIC profile (RSSD 162775)
Frequently asked questions
Is Centricity Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Centricity Credit Union's net worth ratio is 13.97%, above the 7% NCUA threshold for well capitalized.
Is Centricity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Centricity Credit Union is a federally insured credit union (NCUA charter 68685): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Centricity Credit Union's key safety ratios?
For Q2 2026, Centricity Credit Union reports net worth 13.97%, delinquency 0.79%, ROA 2.59%, loan-to-share 90.58%.
What happens to my money if Centricity Credit Union fails?
For Q2 2026, Centricity Credit Union held $277.4M in shares and deposits for 21,518 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.