Cent
Mason City, IA · Charter 65238 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$166.0MAssets
$133.2MLoans
$144.6MShares
$21.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 80% of credit unions under $1B in assets (rank 337 of 1682).
- Widest gap: net interest margin trails 60% of credit unions under $1B in assets (rank 1011 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.89%
Rank 692 of 1,683
Net Interest Margin
3.63%
Rank 1,011 of 1,683
Efficiency Ratio
74.86%
Rank 670 of 1,682
Equity / Assets
12.73%
Rank 868 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 692 / 1,683 | |
| Return on Equity | 7.01% | 2.67% | 5.89% | 8.74% | Beats 61% | 653 / 1,681 | |
| Net Interest Margin | 3.63% | 3.31% | 3.82% | 4.32% | Beats 40% | 1,011 / 1,683 | |
| Efficiency Ratio | 74.86% | 68.91% | 78.20% | 86.93% | Beats 60% | 670 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.26% | 0.65% | 1.29% | Beats 80% | 337 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.73% | 10.44% | 12.89% | 16.53% | Beats 48% | 868 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.73% | 10.44% | 12.89% | 16.53% | Beats 48% | 868 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 92.12% | 52.61% | 69.38% | 83.50% | 90th pctl | 169 / 1,683 | |
| Loans / Assets | 80.25% | 44.71% | 59.18% | 70.72% | 92nd pctl | 132 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |