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
- CAMELS 89/100
- HEALTH 9.4%
- NW 0.70%
- DELQ 0.58%
- ROA $858.4M
- ASSETS 38,833
- MEM #1,330/4,374
- RANK TRIANGLE
- PHOTO 8218
Call Report peers
Central One in the assets neighbourhood
Central One's $858.4M assets sit next to TRIANGLE ($858.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Central One - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8218 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central One: 2025Q4 → 2026Q1
Central One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $858.4M (2025Q4) to $882.7M (2026Q1).
- Net-worth ratio shifted -0.13 pp (9.58% → 9.45%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Central One's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($858.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Central One financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Central One carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,330 of 4,374; by total assets it ranks #528 of 4,374 nationally (same basis as /rankings/largest); and #15 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.45% net worth ratio and a 0.70% delinquency rate.
How does Central One compare to other credit unions?
On PlainCU's health composite, Central One lands at 89/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Central One are 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."
What rates does Central One offer compared to banks?
Credit unions like Central One are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Central One directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.