State credit union · SAINT LOUIS, Missouri · NCUA charter #60435
Century
Health score 98/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $172.9M
- Total assets
- 9,454
- Members
- 17.9%
- Net-worth ratio
Century - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60435 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Century - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)90
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 98/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 17.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.93% | 30% |
| Delinquency Rate | 0.75% | 25% |
| Return on Assets | 1.20% | 15% |
| Member Growth | 5.60% | 15% |
| Loan-to-Share Ratio | 74.89% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $172.9M | 9,454 |
| 2024Q4 | $157.2M | 8,953 |
| 2023Q4 | $146.7M | 8,963 |
Credit Union Details
- Charter Number
- 60435
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- SAINT LOUIS
- Data Quarter
- 2025Q4
What This Data Says About Century
The five-factor composite scores Century at 98/100 (Excellent), reflecting a net worth ratio of 17.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in SAINT LOUIS, Missouri, reports 9,454 members, $172.9M in total assets, and $105.6M in outstanding loans as of Q4 2025 under charter #60435 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
0.75% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 74.89% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.20% on net income of $2.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 5.60%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Century financially healthy?
Century has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.93% and delinquency rate of 0.75%.
How does Century compare to other credit unions?
Century scores 98/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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?
Membership eligibility for Century depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Century directly for current membership requirements and application steps.
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 17.93% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.