The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 18 points (67 → 85), mostly because the earnings component improved by 42 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Minnesota

Yes. Centricity Credit Union is a federally insured credit union (NCUA charter #68685). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.6% of shares and deposits ($12.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.97%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Centricity Credit Union lists 5 offices in 4 cities across 2 states. Most locations:

• Duluth, MN (2)
• Hermantown, MN (1)
• Proctor, MN (1)
• Superior, WI (1)

All branch addresses and map

In 2025, Centricity Credit Union reported 453 home-loan applications under HMDA (LEI 549300BFT56DKVQ9BL15): 344 originated ($39,970,000 total), 53 denied, and 45 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Centricity Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

68685

RSSD ID

162775

Primary regulator

State + NCUA

Established

1943

Headquarters

4477 Lavaque Rd, Hermantown, MN 55811

Employees

99