At a glance
From its website, read 2 Nov 2026Centric Federal Credit Union is a credit union based in West Monroe, Louisiana. Its website describes auto loans, commercial real estate loans, SBA-backed loans and 1 other loan type. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.mycentric.org |
| Office (official list) | 213 Expo Circle, West Monroe, LA 71292 |
What their website says about applying
Save time with our online application!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2026 |
| RSSD ID | 283876 |
| Address | 213 Expo Circle, West Monroe, LA 71292 Directions (Google Maps) |
| Website | www.mycentric.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 3 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or service area are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | If your car payment feels tight, let’s chat about a refinance to fit your budget. | source |
| Commercial real estate loans | — | We offer commercial construction loans and process them in-house for fast decisions. | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Long-term, fixed-rate financing to acquire commercial real estate or equipment for expansion and modernization. | source |
| Small-business loans | — | Put your business plan into action with competitive rates on a lump-sum business loan. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Save time with our online application!
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$8.6 million in 6 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,735,000 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $799,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
Emergency Capital Investment Program (ECIP)
Treasury invested $4.9 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CENTRIC (charter 1982). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $447.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 38,281 (as of 30 Jun 2026) |
| Offices | 9 (as of 30 Jun 2026) |
Offices by state and county (9)
Louisiana (9 offices)
- Lincoln Parish (3): 120 Legends Ave, Grambling 71245; 102 W Alabama Ave, Ruston 71270; 1514 Eagle Drive, Ruston 71270
- Ouachita Parish (6): 213 Expo Cir, West Monroe 71292 (main office); 1100 Pecanland Rd, Monroe 71203; 1801 Louisville Ave, Monroe 71201; 710 Highway 165 North, Monroe 71201; 1091 Thomas Rd, West Monroe 71292; 2353 Arkansas Rd, West Monroe 71291
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Centric Federal Credit Union (NCUA charter 1982, filed as “CENTRIC”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $349.6 million, 19,456 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 9.4% from $319.6 million on 30 Jun 2025 |
| Members | 38,281 (as of 30 Jun 2026); 36,840 (as of 30 Jun 2025) |
| Loans per member | $9,131 (total loans divided by members, 30 Jun 2026) |
| Total assets | $447.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $57 million | 16.3% |
| Used vehicle loans | $117.6 million | 33.6% |
| First-lien home mortgages (1-4 family) | $84.2 million | 24.1% |
| Other real estate loans (junior liens, other) | $8.4 million | 2.4% |
| Commercial (business) loans | $44 million | 12.6% |
| Credit cards | $5.2 million | 1.5% |
| Other unsecured loans | $10.9 million | 3.1% |
| Leases and other secured loans | $22.4 million | 6.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Centric Federal Credit Union reported 34 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.8M (median loan about $130,000). 15 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 15 | 44% |
| Refinance (incl. 16 cash-out) | 19 | 56% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 34 | 100% |
Included above: 4 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 7 counties with at least one; 100% of its 2025 loans were for properties in Louisiana:
Filed under LEI 549300TCR1BZRVOO2A49 as “CENTRIC FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $447.5 million | Larger than 80% of the 20 other certified credit unions in Louisiana (median $136.3 million). |
| Loans as a share of assets | 78% | Median of the same 20 credit unions: 75%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $319.6 million → $349.6 million (+9%) | Median change of 20 other certified credit unions in Louisiana: +2%. Rank by loans held among these 21: 4 → 4. |
| Home loans originated in 2025 (HMDA) | 34 | More than 14% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Louisiana | 20 | larger than 80% |
| Loans held then vs now | certified credit unions in Louisiana reporting both dates | 20 | rank 4 → 4 of 21 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 14% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 3 SBA-backed approvals for Centric Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 3 7(a) loans as the lender: $1M in total (gross amount approved), median $150,000
By fiscal year: FY2020 0 · FY2021 0 · FY2022 2 · FY2023 1 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 7(a) standard (2, 67%)
- 7(a) SBA Express (1, 33%)
How this lender was matched in the SBA files: NCUA charter 1982, found through the RSSD ID in NCUA records (SBA lists “Centric Federal Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Centric Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in West Monroe and Louisiana
- Ouachita Valley Federal Credit UnionCredit union · West Monroe, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at Centric Federal Credit Union? Link to this page
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