Charter 68685 · Hermantown, MN
Centricity Credit Union
Centricity Credit Union is a state-chartered credit union in Hermantown, Minnesota, with $341 million in assets and 21,518 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.97%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Metro, Proctor Credit Union a Division of Centricity Credit Union.
- Total assets
- $341 million
- +9.0% in a year
- Members
- 21,518
- -2.9% in a year
- Net worth ratio
- 13.97%
- Peer median 11.65%
- Loans 60+ days late
- 0.79%
- Peer median 0.70%
- Loans outstanding
- $251 million
- -0.5% in a year
- Shares and deposits
- $277 million
- +9.0% in a year
- Branches
- 5
- 99 employees
- Opened
- 1943
- Minnesota charter
How Centricity Credit Union compares
NCUA groups credit unions by size; Centricity Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.97% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.79%, is higher than the group median of 0.70%. Loans fell 0.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 19 of 80 credit unions headquartered in Minnesota. See all Minnesota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $341 million | 21,518 | $251 million | 13.97% | 0.79% |
| Q1 2026 | $338 million | 21,757 | $254 million | 13.42% | 0.61% |
| Q4 2025 | $322 million | 22,037 | $255 million | 13.65% | 0.70% |
| Q3 2025 | $312 million | 22,094 | $254 million | 13.59% | 0.69% |
| Q2 2025 | $312 million | 22,152 | $252 million | 13.03% | 1.31% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 322,437 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Centricity Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Hermantown Office (main office)
4477 Lavaque Rd, Hermantown, MN 55811 - Duluth Office
2501 London Rd, Duluth, MN 55812 - Superior Office
25 Belknap St, Superior, WI 54880 - Denfeld Office
3924 Grand Ave, Duluth, MN 55807 - Proctor Office
410 N 2Nd Ave, Proctor, MN 55810
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology