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
Call Report peers
New Century in the assets neighbourhood
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New Century vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); New Century sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Illinois, Carbondale Highway (#93) ties at 84/100; one place down, Cooperative Choice Network (#95) ties at 84/100.
New Century: 2025Q4 → 2026Q1
New Century: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $58.6M (2025Q4) to $59.1M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.89% → 13.93%).
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
New Century gives up 16 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is New Century financially healthy?
On its 2025Q4 NCUA 5300 filing, New Century scores 84/100 (Excellent), with a 13.93% net worth ratio and 0.84% of loans delinquent. It ranks #2,093 of 4,374 nationally on health and #94 of 192 in Illinois.
How does New Century compare to other credit unions?
New Century scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (13.93% vs 13.62%). Its widest shortfall is loan-to-share ratio (49.37% vs 62.60%).
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?
New Century is a federal 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. New Century's net worth ratio of 13.93% 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.