Federal credit union · Mount Vernon, New York · NCUA charter #19775
Greater Centennial
Health score 42/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 42
- Health / 100
- $244K
- Total assets
- 182
- Members
- 6.8%
- Net-worth ratio
Greater Centennial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #19775. See our deposit-insurance coverage note.
Greater Centennial - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)70
- Asset quality (delinquency)0
- Earnings (ROA)0
- Member growth78
- Liquidity (loan-to-share)59
Weighted composite: 42/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 6.78%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.78% | 30% |
| Delinquency Rate | 10.97% | 25% |
| Return on Assets | -5.19% | 15% |
| Member Growth | 2.25% | 15% |
| Loan-to-Share Ratio | 32.50% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $244K | 182 |
| 2024Q4 | $235K | 178 |
| 2023Q4 | $195K | 176 |
Credit Union Details
- Charter Number
- 19775
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- New York
- City
- Mount Vernon
- Data Quarter
- 2025Q4
What This Data Says About Greater Centennial
Charter #19775, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Greater Centennial, a federal credit union in Mount Vernon, New York with 182 members, $244K in total assets, and $72K in outstanding loans as of Q4 2025. The five-factor composite scores it 42/100 (Below Average), helped by a net worth ratio of 6.78% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 10.97% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. The loan-to-share ratio of 32.50% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -5.19% on net income of $-12652 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 2.25%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, 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 Greater Centennial financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Greater Centennial carries a financial health score of 42/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 6.78% net worth ratio and a 10.97% delinquency rate.
How does Greater Centennial compare to other credit unions?
On PlainCU's health composite, Greater Centennial lands at 42/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 Greater Centennial?
Greater Centennial 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 Greater Centennial directly for the exact boundaries and application steps.
Is my money safe at Greater Centennial?
Federal credit unions like Greater Centennial 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. Greater Centennial's net worth ratio of 6.78% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Greater Centennial offer compared to banks?
Credit unions like Greater Centennial 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 Greater Centennial 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.