Federal credit union · PITTSBURGH, Pennsylvania · NCUA charter #1352
Century Heritage
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $286.5M
- Total assets
- 18,846
- Members
- 11.2%
- Net-worth ratio
Century Heritage scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $286.5M; members 18,846; net-worth ratio 11.24%; health rank #798 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#798 of 4,374 health · 2025Q4Century Heritage · health 92/100 · $286.5M · 2025Q4
- ROA 92/100
- ASSETS 11.2%
- MEM 1.00%
- RANK 0.66%
- PHOTO $286.5M
- BOOK 18,846
- CHARTER #798/4,374
- NCUSIF Home Town
- CAMELS 1352
Call Report peers
Century Heritage in the assets neighbourhood
Century Heritage's $286.5M assets sit next to Home Town ($286.2M) 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 Heritage 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
92 Top 20% higher than 80% 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 Heritage - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1352, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Century Heritage diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 72.72% here, 72.20% peer average (+0.52 pp).
- Largest lag: Net Worth Ratio at 11.24% vs peer 12.11% (-0.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Century Heritage sits in Pennsylvania
- Pennsylvania health ordinal: #35 of 275.
- Pennsylvania assets place: #34 of 275.
- Pennsylvania membership ordinal: #35 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Century Heritage Call Report trajectory
Century Heritage: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $286.5M (2025Q4) to $288.0M (2026Q1).
- Net-worth ratio shifted +0.16 pp (11.08% → 11.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.3 pts
Century Heritage vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.24% | -0.87 pp |
| Delinquency Rate | 1.00% | +0.11 pp |
| Return on Assets | 0.66% | +0.04 pp |
| Member Growth | 2.25% | - |
| Loan-to-Share Ratio | 72.72% | +0.52 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 | $288.0M | - |
| 2025Q4 | $286.5M | 18,846 |
| 2024Q4 | $280.9M | 18,432 |
| 2023Q4 | $264.9M | 18,327 |
Credit Union Details
- Charter Number
- 1352
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- PITTSBURGH
- Data Quarter
- 2025Q4
Branch Locations (6)
Century Heritage operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 04-West Mifflin (Main Office) | PITTSBURGH, PA |
| 09-Leechburg | Leechburg, PA |
| 03-Olympia Branch | MCKEESPORT, PA |
| 06-McMurray | McMurray, PA |
| 05-Bethel Park | Pittsburgh, PA |
| 07-Homeville | West Mifflin, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Century Heritage nationwide neighbourhoods
Cross-state asset and health neighbours for Century Heritage - kept outside Pennsylvania; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($286.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Century Heritage ranks #798 of 4,374 nationally on financial health and #35 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cross Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cross Valley
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 Heritage financially healthy?
Century Heritage scores 92/100 (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 #798 of 4,374; by total assets it ranks #1,055 of 4,374 nationally (same basis as /rankings/largest); and #34 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.24% net worth ratio and a 1.00% delinquency rate.
How does Century Heritage compare to other credit unions?
92/100 is Century Heritage's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Heritage?
Century Heritage operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Century Heritage directly for the exact boundaries and application steps.
Is my money safe at Century Heritage?
Federal credit unions like Century Heritage 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 Heritage's net worth ratio of 11.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Century Heritage offer compared to banks?
Credit unions like Century Heritage 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 Heritage 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.