CENTRICITY Credit Union Profile

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CENTRICITY

Charter #68685 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 729-7733

Fax: (218) 729-7978

Founding Date: N/A

Website: http://www.centricity.org

Personnel & Operations

President: Taylor, Margaret

Manager: Ralston, Doug

FT Employees: 87

PT Employees: 16

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: LOBBY HOURS MON - FRI: 8:30 A.M. - 5:00 PM

Credit Union Profile Summary

CENTRICITY is a FISCU Credit Union. With a total of 22,152 members [1], this institution manages approximately $312,355,375 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.03% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 36.20% [1].

Financial Snapshot

Total Assets [1]
$312,355,375

Total economic resources.

Total Loans [1]
$252,494,515

Total value of outstanding loans.

Total Deposits [1]
$254,640,048

Total funds deposited by members.

Members [1]
22,152

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.03%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.07%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
99.16%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 26.55%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 36.20%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 26.21%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

4477 LAVAQUE RD

HERMANTOWN, MN, 55811
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by CENTRICITY (Charter #68685).

Main Office

Hermantown Office Main Office

Type: Corporate Office

4477 Lavaque Rd

Hermantown, MN 55811

Phone: (218) 729-7733

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Duluth

Duluth Branch Office

Type: Branch Office

2501 London Rd

Duluth, MN 55812

Phone: (218) 729-7733

Services: Member Services, ATM, Drive-Thru

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Superior

Superior Branch

Type: Branch Office

25 Belknap St

Superior, WI 54880

Phone: (715) 392-4952

Services: Member Services, ATM, Drive-Thru

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