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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#79 of 4,374 health · 2025Q4CENTURY · health 98/100 · $172.9M · 2025Q4
- NW 98/100
- DELQ 17.6%
- ROA 0.75%
- ASSETS 1.20%
- MEM $172.9M
- RANK 9,454
- PHOTO #79/4,374
- BOOK Johnsonville Tva Employees
- CHARTER 60435
Call Report peers
CENTURY in the assets neighbourhood
CENTURY's $172.9M assets sit next to Johnsonville Tva Employees ($172.9M) 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
98 Top 3% higher than 97% 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
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 vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +5.46 pp (17.57% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CENTURY: 2025Q4 → 2026Q1
CENTURY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $172.9M (2025Q4) to $178.9M (2026Q1).
- Net-worth ratio shifted -0.36 pp (17.93% → 17.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 98.
- 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 |
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).
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
Cross-state asset and health neighbours for CENTURY - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($172.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (98/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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 has a financial health score of 98/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #79 of 4,374; by total assets it ranks #1,388 of 4,374 nationally (same basis as /rankings/largest); and #22 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.57% 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 17.57% 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.