CENT
Charter #65238 · Mason City, IA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.87% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.28% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.09% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 64th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $165.88M | 38th pct | 34th pct |
| Members | 11,472 | 41th pct | 41th pct |
| Net worth ratio | 12.50% | 63th pct | 61th pct |
| Return on average assets | 0.83% | 59th pct | 62th pct |
| Net interest margin | 3.63% | 48th pct | 39th pct |
| Cost of funds | 0.87% | 32th pct | 20th pct |
| Loan-to-share | 88.21% | 86th pct | 64th pct |
| Delinquency 60+ days | 0.28% | 21th pct | 21th pct |
| Net charge-off ratio | 0.09% | 17th pct | 25th pct |
| Loan growth YoY | -0.02% | 48th pct | 39th pct |
| Share growth YoY | -1.65% | 4th pct | 10th pct |
| Efficiency ratio | 75.37% | 39th pct | 26th pct |
structural peer set hash: 31baed4f2ae05c351257e30970cb8f97… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.