# CENT
Mason City, IA · NCUA charter 65238 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cent-65238

Who the members are: state charter, organized 1965. 11,472 members of 782,328 potential (1.5% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 35.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $165.9M |
| Members | 11,472 (0.8% YoY) |
| Full-time staff | 31 |
| Net worth | $20.7M |
| Net worth ratio | 12.5% (p61 of band) |
| ROA (annualized) | 0.82% (p58 of band) |
| Total delinquency | 0.28% (p21 of band) |
| Net charge-offs (annualized) | 0.09% (p21 of band) |
| Loans / shares | 88% (p88 of band) |
| Cash / assets | 17.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.59% (p45 of band) |
| Operating expense / assets | 3.21% (p33 of band) |
| Vehicles % of loans | 29% (p35 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.34% (p32 of band) |
| Vehicle NCO | 0.36% (p42 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 20% |
| Average share balance | $6,562 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 35% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $31,706 |
| Loans granted, annualized | $38.1M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency 2x band |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 1 | loans>95% of shares | delinquency rising, delinquency 2x band |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 1 |  | loans>95% of shares |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 0 |  | delinquency rising |
| 2022-06 | 1 | loans>95% of shares |  |
| 2022-09 | 0 |  | loans>95% of shares |
| 2022-12 | 1 | loans>95% of shares |  |
| 2023-03 | 0 |  | loans>95% of shares |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 1 |  | net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | assets shrinking |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [United Way of North Central Iowa’s Day of Caring brings local businesses together to make a difference - Clear Lake Mirror Reporter](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPaGFMVzhWYVhxRTFkU3JoRlNGNFpTbDB6VDlFS1J6TGVuUThMN2w1NjZ5eU5HX2l0dUJLZ21mbjVaWl9obFRVWXdtZkFhbUlTWHFINTFsWUNYNTkwM1BYR2JZX0NmXzM4bXNpTERYNDBpMWJVa01sMVZUWEJVLUZHem1jTzVYVkQ1Mjk3MTlTZ3BhZm1SRHpoMzFuODA2T0ZGMkFrOGpfcjJZVzV0Z3V3dWdVdnVkVmQwY19Ldkx0QzBWbVJvQnctWjVUVnVDQnhIb0x2ejd0RjkyQks5VlVXam5HVEE3N1d6YzRVUzY2RFkxYWdZbElqTA?oc=5) · Clear Lake Mirror Reporter
- 2026-09-03 [Mason City volunteers unite for Day of Caring across North Central Iowa - kimt.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOQW5ZRGhzOEtBQjk4b1p5bW1IX3IzSGI0RFFfWURuYmNsWVhqbktsMzliNHE0Q0lpLVhmdklRbW9ONDVHcjhvbERnb1lhbWZtTTNVOF9NY0l0dmh6dl92QTE3am5VbDgtbzJQOFJ6dHNIdEJ1SWFxWjRqRmNlV0JjQ3lFak4xaUYtREd5RlFuSGxRcGIwUEhSWEUzRW9BUE9fYTBHcXAwVDJRRS1pT2NBRjNXMnVydmphOWpMVHFuVXEtN1pidTVkdnpVbHdYaGhNSXVQRmhDcGVLSWtZVlY1Sw?oc=5) · kimt.com
- 2026-08-30 [Paul Joseph Sitzmann Obituary Aug 30, 2026 - Rexwinkel Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9VbVF3QUFfdkluem5JR2xwRDVWNWJzVmNsLW9zNFE3RmhXNVBmUWRwR0lmRUFrY25HMnJncnFaM2VtSUJyZGs3VUhRREFHZ1dpS0l6dGhaOUVUdUI2OG5fVjlR?oc=5) · Rexwinkel Funeral Homes
- 2026-04-18 [Lloyd R. Van Horn Obituary Apr 18, 2026 - Major Erickson Funeral Home and Crematory](https://news.google.com/rss/articles/CBMidEFVX3lxTE1oODRyZkZhdE5YOGdjQWhNVWg3V2pZWkdnRW9XbTdSZERSTVZMWmJxdU9sdm5vWWFnT3BQTEZkZUNxZjc3QVgwbGJsc2l5ZU96SE1vVVFKNkQtNm4xNDl6YlF3R0I0MERWbjI3VzVjUVNZWFNa?oc=5) · Major Erickson Funeral Home and Crematory
- 2026-07-06 [Former Mason City trap team coach put on probation for embezzling funds - Globe Gazette](https://news.google.com/rss/articles/CBMinwFBVV95cUxNenlBaWJCSlJkSFZSb0l3bDZuQTdZaE00eHQzMGdheTdfOUhCcGZTWW1lT0V4ekhBdzNMU3pXWTR5ZHo4TThvYmRVTjNkMThwdmNKZkdaMFBTSHBrSFpKWmpQOUplVEw5cXkxRU1wMklVUEh3aXdLM3dlNnZGMHUwTmxCRW13NmhRLWdKZ0VUTnBMLWRHRHBSVldlRmhvZlk?oc=5) · Globe Gazette
- 2026-05-27 [Iowa students win $48K in Warren A. Morrow scholarships - kimt.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQenpZLTN6ZWlKN3lyRzg3azRyclFPc2E1aTBmNkRUaGlsLVE4VmFkRXlpNGY4OEo2VU5wRVhGNkZ1OFdzNkVRd2tKUmJoRkVwUlM4VFNjN2M4N1IyNDdiVXlQbFpjZ0ZpNmw3cDNiZnk4ZVhUakdleDZSQmtRT190S1lPVW5QUEt2c1lPOWh2MF9lWjM4cVZ6Yi11bnpPWEVuMUFsSjh6ZzdXY3pfaXhYYWlQemcxT2g3cDVvUlVxNG5VX2kzOTJabg?oc=5) · kimt.com
- 2025-12-17 [Iowa-based credit union no longer allowing penny withdrawals - KCCI](https://news.google.com/rss/articles/CBMiigFBVV95cUxQbTI5Q3pITHVDYlEwUUxGZU5vMmZZZUhCQUpDQmk1OGh2SklHaXJGd0xsV2RRZnN5eFR6YzR1RTloRlpQYnN1T3hfeHFEZ3YzWjgwM3BKYnlCdHFDcTc2VmZ4WjF1VTZ4YkkxSXVUcXB0eGVsMmQ0Z0pIcW1DU0pQSlROTkl2OG03a2c?oc=5) · KCCI
- 2025-12-16 [North Iowa woman sentenced for credit union embezzlement - kimt.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOLVFIc1dKU0ZCeTRUODItWHZPbDUyQlowMzJ0NnJEOFlXMXg2clFFMng3aXNORFRDNnVEVVdDbHNrb18xVTM1dTcxWEhWRmFxYk1fVDFVaHVrWjh3NktONkJCY3FvTDFXZVV6Y2FqeEpzc0FPNXBXeWRLc3A2XzBKWWgzdWozNHlEUnBsZ0pYeko5RTYwTS1jQXZra2txR2p3U3dvc0l2MnNCUWlEcHJqaUVNZlkxdlhBekp3YXkwdVJ6WHJpUTRaLVE5NzU?oc=5) · kimt.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65238 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/22.json (key "65238", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=65238
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide