Credit union · NCUA insured
CEN-TEX MFG CREDIT UNION
A $15.4M credit union headquartered in Brownwood, TX, with 1,279 members and 1 branch in Texas.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—2.02%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About CEN-TEX MFG CREDIT UNION
Chartered in 1979 to serve the 3M community, Cen-Tex Manufacturing Credit Union is a separate entity formed by 3M staff and plant leadership.
The credit union specifically serves 3M employees, retirees, and their families in Brownwood.
- Headquarters
- 4488 Highway 377 S, Brownwood, TX 76801
- NCUA charter
- 67602
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of 3M are eligible for membership.
- Retired 3M employees are eligible for membership.
Family and household
- Spouses, children, and parents of 3M employees and retired 3M employees are eligible for membership.
Branches
1 branch in Texas
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Texas
1 branch
- Cen-Tex Manufacturing Credit UnionMain office4488 Highway 377 S, Brownwood, TX 76801Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 22.37% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.20% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.85% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio22.37%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.20%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.85%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of CEN-TEX MFG CREDIT UNION are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.