Federal credit union · Independence, Ohio · NCUA charter #5852
CENTURY
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $468.9M
- Total assets
- 29,193
- Members
- 10.8%
- Net-worth ratio
CENTURY scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $468.9M; members 29,193; net-worth ratio 10.79%; health rank #2,760 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,760 of 4,374 health · 2025Q4CENTURY · health 80/100 · $468.9M · 2025Q4
- PHOTO 80/100
- BOOK 10.8%
- CHARTER 0.87%
- NCUSIF 0.42%
- CAMELS $468.9M
- HEALTH 29,193
- NW #2,760/4,374
- DELQ North Star Community
- ROA 5852
Call Report peers
CENTURY in the assets neighbourhood
CENTURY's $468.9M assets sit next to North Star Community ($467.6M) 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.
CENTURY 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
80 36th percentile higher than 36% 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
CENTURY - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #5852: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
CENTURY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +6.24 pp (78.44% vs 72.20%).
- Largest lag: Net Worth Ratio at 10.79% vs peer 12.11% (-1.32 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Ohio standing for CENTURY
- In Ohio, health place is #126 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #23 of 196.
- Member book place in Ohio: #21 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CENTURY's 5300 filing moved
CENTURY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $468.9M (2025Q4) to $474.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (10.74% → 10.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.79% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.3 pts
- Return on Assets 13.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
CENTURY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.79% | -1.32 pp |
| Delinquency Rate | 0.87% | -0.02 pp |
| Return on Assets | 0.42% | -0.21 pp |
| Member Growth | -6.49% | - |
| Loan-to-Share Ratio | 78.44% | +6.24 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
CENTURY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $474.6M | - |
| 2025Q4 | $468.9M | 29,193 |
| 2024Q4 | $427.9M | 31,220 |
| 2023Q4 | $434.5M | 32,725 |
Credit Union Details
- Charter Number
- 5852
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Independence
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for CENTURY, spread across 6 cities.
| Office | City |
|---|---|
| Independence Main Office (Main Office) | Independence, OH |
| NASA Branch (Employee Access Only) | Cleveland, OH |
| Wade Park VAMC Branch | Cleveland, OH |
| Independence Branch | Independence, OH |
| North Olmsted Branch | North Olmsted, OH |
| Richmond Branch | Richmond Heights, OH |
| Strongsville Branch | Strongsville, OH |
| Westlake Branch | Westlake, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
CENTURY's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($468.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- CENTURY ranks #2,760 of 4,374 nationally on financial health and #126 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CME
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 CENTURY financially healthy?
CENTURY scores 80/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,760 of 4,374; by total assets it ranks #782 of 4,374 nationally (same basis as /rankings/largest); and #23 of 196 within Ohio. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.79% net worth ratio and a 0.87% delinquency rate.
How does CENTURY compare to other credit unions?
On PlainCU's health composite, CENTURY lands at 80/100, compared to a peer group average for $100M–$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 CENTURY?
CENTURY serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact CENTURY directly for the current list of qualifying groups.
Is my money safe at CENTURY?
Federal credit unions like CENTURY 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. CENTURY's net worth ratio of 10.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CENTURY offer compared to banks?
Credit unions like CENTURY 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 CENTURY 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.