Credit Union Safety Analysis
Is Century Credit Union Safe? Saint Louis, Missouri
Based on its Q2 2026 NCUA 5300 call report, Century Credit Union has a net worth ratio of 17.55%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.37%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Century Credit Union's net worth ratio is 17.55%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.55%
- Delinquency ratio (60+ days) (Q2 2026): 0.37%
- Return on assets (Q2 2026): 1.10%
- Loan-to-share ratio (Q2 2026): 75.21%
Century Credit Union (NCUA charter 60435, established 1954) reported $182.0M in assets and 9,611 members for Q2 2026 from Saint Louis, Missouri. It ranks 21 of 85 credit unions in Missouri by total assets. Total assets grew 8.4% from $167.9M on June 30, 2025. It has 402 more members than on June 30, 2025 (+4.4%). Its net worth ratio was down 0.24 percentage points from 17.79% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $52.6M of $112.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.37% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 17.57% for Q1 2026; 17.79% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.40% for Q1 2026; 0.29% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.97% for Q1 2026; 1.65% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 73.16% for Q1 2026; 71.07% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $52.6M
- Used vehicle loans: $36.6M
- New vehicle loans: $15.6M
- Unsecured credit card loans: $3.0M
- Other unsecured loans and lines of credit: $2.6M
- Commercial loans: $1.6M
- Non-federally guaranteed student loans: $131K
- Other secured non-real estate loans and lines of credit: $128K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $182.0M | 17.55% | 0.37% | 1.10% | 75.21% |
| March 31, 2026 | $178.9M | 17.57% | 0.40% | 0.97% | 73.16% |
| December 31, 2025 | $172.9M | 17.93% | 0.75% | 0.73% | 74.89% |
| September 30, 2025 | $170.7M | 17.97% | 0.25% | 1.88% | 72.90% |
| June 30, 2025 | $167.9M | 17.79% | 0.29% | 1.65% | 71.07% |
| March 31, 2025 | $164.1M | 17.78% | 0.25% | 1.53% | 70.55% |
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Free to use. It shows Century Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 60435) · FFIEC NIC profile (RSSD 449092)
Frequently asked questions
Is Century Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Century Credit Union's net worth ratio is 17.55%, above the 7% NCUA threshold for well capitalized.
Is Century Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Century Credit Union is a federally insured credit union (NCUA charter 60435): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Century Credit Union's key safety ratios?
For Q2 2026, Century Credit Union reports net worth 17.55%, delinquency 0.37%, ROA 1.10%, loan-to-share 75.21%.
What happens to my money if Century Credit Union fails?
For Q2 2026, Century Credit Union held $149.2M in shares and deposits for 9,611 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.