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
Call Report peers
CENTURY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); CENTURY sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Ohio, ALLWEALTH (#125) ties at 80/100; one place down, Commodore Perry (#127) ties at 80/100.
How CENTURY's 5300 filing moved
CENTURY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $468.9M (2025Q4) to $474.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (10.74% → 10.79%).
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
CENTURY gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is CENTURY financially healthy?
On its 2025Q4 NCUA 5300 filing, CENTURY scores 80/100 (Excellent), with a 10.79% net worth ratio and 0.87% of loans delinquent. It ranks #2,760 of 4,374 nationally on health and #126 of 196 in Ohio.
How does CENTURY compare to other credit unions?
CENTURY scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.44% vs 72.20%). Its widest shortfall is net worth ratio (10.79% vs 12.11%).
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?
CENTURY 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. CENTURY's net worth ratio of 10.79% 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.