Credit union · NCUA insured
Centric Federal Credit Union
Top CarrotA $453.9M credit union headquartered in West Monroe, LA, with 37,756 members and 9 branches in Louisiana. Best rates: CDs 4.30% and savings 1.00% APY.
Centric Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#3 of 12 in Monroe, LA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Centric Federal Credit Union
Established in 1937, Centric Federal Credit Union is a member-owned financial institution.
Headquartered in West Monroe, Louisiana, it serves 22 parishes in Louisiana and 6 counties in Arkansas.
In 2026, Centric merged with West Monroe Federal Credit Union.
- Headquarters
- 213 Expo Cir, West Monroe, LA 71292-9414
- NCUA charter
- 1982
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who physically lives, works, worships, or attends school, or any businesses and other legal entities located in 22 specified parishes in Louisiana and 6 specified counties in Arkansas.
Cost to join
- Members must pay a one-time membership fee of $3.
- Members must deposit and maintain $5 in a Centric savings account.
Branches
9 branches in Louisiana
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Louisiana
9 branches
Monroe area · 6
- Expo Circle Admin CenterMain office213 Expo Cir, West Monroe, LA 71292Directions
- Mid City Monroe1801 Louisville Ave, Monroe, LA 71201Directions
- Monroe Center710 Highway 165 North, Monroe, LA 71201Directions
- Pecanland Center1100 Pecanland Rd, Monroe, LA 71203Directions
- Arkansas Road Centric Center2353 Arkansas Rd, West Monroe, LA 71291Directions
- Thomas Road Centric Center1091 Thomas Rd, West Monroe, LA 71292Directions
Ruston area · 3
- Grambling120 Legends Ave, Suite 104, Grambling, LA 71245Directions
- Ruston Centric Center1514 Eagle Drive, Ruston, LA 71270Directions
- Ruston Downtown102 W Alabama Ave, Ruston, LA 71270Directions
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 | 12.31% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.38% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.59% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio12.31%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.38%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.59%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Centric Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.