Federal credit union · Joliet, Illinois · NCUA charter #1251
New Century
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $58.6M
- Total assets
- 4,495
- Members
- 13.9%
- Net-worth ratio
New Century scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $58.6M; members 4,495; net-worth ratio 13.93%; health rank #2,093 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,093 of 4,374 health · 2025Q4New Century · health 84/100 · $58.6M · 2025Q4
- NCUSIF 84/100
- CAMELS 13.9%
- HEALTH 0.84%
- NW 0.40%
- DELQ $58.6M
- ROA 4,495
- ASSETS #2,093/4,374
- MEM BREWERY
- RANK 1251
Call Report peers
New Century in the assets neighbourhood
New Century's $58.6M assets sit next to BREWERY ($58.6M) 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.
New 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
84 Top 50% higher than 50% 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
New Century - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #1251 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
New Century vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +0.31 pp (13.93% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -13.23 pp (49.37% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Century: in-state Call Report ranks
- In Illinois, health place is #94 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #68 of 192 inside Illinois ($58.6M reported).
- Member book place in Illinois: #70 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
New Century: 2025Q4 → 2026Q1
New Century: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $58.6M (2025Q4) to $59.1M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.89% → 13.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.6 pts
- Return on Assets 13.4 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.93% | +0.31 pp |
| Delinquency Rate | 0.84% | -0.12 pp |
| Return on Assets | 0.40% | -0.26 pp |
| Member Growth | -0.27% | - |
| Loan-to-Share Ratio | 49.37% | -13.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
New Century filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.1M | - |
| 2025Q4 | $58.6M | 4,495 |
| 2024Q4 | $56.8M | 4,507 |
| 2023Q4 | $55.5M | 4,408 |
Credit Union Details
- Charter Number
- 1251
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- Joliet
- Data Quarter
- 2025Q4
Branch Locations (2)
New Century operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Springfield Ave Office (Main Office) | Joliet, IL |
| New Lenox Office | New Lenox, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
New Century nationwide neighbourhoods
New Century's nationwide photo peers by assets and by health score, excluding Illinois charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($58.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- New Century ranks #2,093 of 4,374 nationally on financial health and #94 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACCESS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACCESS
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 New Century financially healthy?
A 13.93% net worth ratio and a 0.84% delinquency rate feed into New Century's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,093 of 4,374; by total assets it ranks #2,280 of 4,374 nationally (same basis as /rankings/largest); and #68 of 192 within Illinois. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does New Century compare to other credit unions?
84/100 is New Century's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 New Century?
New Century 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 New Century directly for the exact boundaries and application steps.
Is my money safe at New Century?
Federal credit unions like New 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. New Century's net worth ratio of 13.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Century offer compared to banks?
Credit unions like New 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 New 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.