State credit union · SAINT LOUIS, Missouri · NCUA charter #60435
CENTURY
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $172.9M
- Total assets
- 9,454
- Members
- 17.6%
- Net-worth ratio
CENTURY scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.9M; members 9,454; net-worth ratio 17.57%; health rank #79 of 4,374; healthier than 97th of scored peers.
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NCUA 5300 Call Report Masthead
#79 of 4,374 health · 2025Q4CENTURY · health 98/100 · $172.9M · 2025Q4
Call Report peers
CENTURY in the assets neighbourhood
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CENTURY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CENTURY sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
CENTURY vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +5.46 pp (17.57% vs 12.11%).
CENTURY in Missouri
- Health composite ranks #3 of 89 among scored Missouri credit unions.
- By total assets, CENTURY is #22 of 89 in Missouri.
- Missouri membership ordinal: #28 of 89.
- One place up in Missouri, OZARK (#2) scores 100/100, 2 points higher; one place down, TELCOMM (#4) ties at 98/100.
CENTURY: 2025Q4 → 2026Q1
CENTURY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $172.9M (2025Q4) to $178.9M (2026Q1).
- Net-worth ratio shifted -0.36 pp (17.93% → 17.57%).
At 17.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
CENTURY gives up 2 points in total. Delinquency Rate costs the most, 2.5 of its 25; Net Worth Ratio and Return on Assets and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.57% | +5.46 pp |
| Delinquency Rate | 0.75% | -0.15 pp |
| Return on Assets | 1.20% | +0.57 pp |
| Member Growth | 5.60% | - |
| Loan-to-Share Ratio | 74.89% | +2.69 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $178.9M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, CENTURY runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | SAINT LOUIS, MO |
| BRANCH-JEFFCO | ARNOLD, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- CENTURY ranks #79 of 4,374 nationally on financial health and #3 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Gateway Metro is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Gateway Metro
Frequently Asked Questions
Is CENTURY financially healthy?
CENTURY has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #79 of 4,374 nationally on health and #3 of 89 in Missouri. Its net worth ratio is 17.57% and its delinquency rate 0.75%.
How does CENTURY compare to other credit unions?
CENTURY scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (17.57% vs 12.11%).
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?
CENTURY is a state-chartered 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 17.57% 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.