Federal credit union · Shrewsbury, Massachusetts · NCUA charter #8218
Central One
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $858.4M
- Total assets
- 38,833
- Members
- 9.4%
- Net-worth ratio
Central One scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $858.4M; members 38,833; net-worth ratio 9.45%; health rank #1,330 of 4,374; healthier than 69th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,330 of 4,374 health · 2025Q4Central One · health 89/100 · $858.4M · 2025Q4
Call Report peers
Central One in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central One vs every NCUA-scored credit union
Central One sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Central One: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 95.40% here, 83.90% peer average (+11.50 pp).
- Net Worth Ratio trails the peer set - 9.45% here, 11.18% peer average (-1.73 pp).
Where Central One sits in Massachusetts
- Health composite ranks #39 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #15 of 126.
- Member book place in Massachusetts: #17 of 126.
- One place up in Massachusetts, St. Anne's (#38) ties at 89/100; one place down, Boston Customs (#40) scores 88/100, 1 point lower.
Central One: 2025Q4 → 2026Q1
Central One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $858.4M (2025Q4) to $882.7M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.58% → 9.45%).
9.45% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Central One gives up 11 points in total. Member Growth costs the most, 5.4 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 12.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.45% | -1.73 pp |
| Delinquency Rate | 0.70% | -0.17 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | 0.49% | - |
| Loan-to-Share Ratio | 95.40% | +11.50 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Central One quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $882.7M | - |
| 2025Q4 | $858.4M | 38,833 |
| 2024Q4 | $819.7M | 38,645 |
| 2023Q4 | $800.6M | 38,557 |
Credit Union Details
- Charter Number
- 8218
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Shrewsbury
- Data Quarter
- 2025Q4
Branch Locations (9)
Central One operates 9 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Central One Federal Credit Union (Main Office) | Shrewsbury, MA |
| Auburn | Auburn, MA |
| Milford | Milford, MA |
| Northborough-148 Main St. | Northborough, MA |
| Southgate | Shrewsbury, MA |
| Shrewbury High School | Shrewsbury, MA |
| Westborough | Westborough, MA |
| Westborough High School | Westborough, MA |
| St. Vincent Hosptial | Worcester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Central One nationwide neighbourhoods
Similar total assets
Using this data
- Central One ranks #1,330 of 4,374 nationally on financial health and #39 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- All One is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with All One
Frequently Asked Questions
Is Central One financially healthy?
Central One has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,330 of 4,374 nationally on health and #39 of 126 in Massachusetts. Its net worth ratio is 9.45% and its delinquency rate 0.70%.
How does Central One compare to other credit unions?
Central One scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.40% vs 83.90%). Its widest shortfall is net worth ratio (9.45% vs 11.18%).
How can I join Central One?
Central One operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Central One directly for the exact boundaries and application steps.
Is my money safe at Central One?
Central One is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Central One's net worth ratio of 9.45% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.