Greater Centennial Federal Credit Union Mount Vernon, New York
Greater Centennial Federal Credit Union is a federal credit union headquartered in Mount Vernon, NY, established in 1969 (NCUA charter 19775), and it is regulated and insured by the NCUA. At Q2 2026 it reported 181 members and total assets of $256K (down 2.6% from Q2 2025), the 263rd largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.43% at Q2 2026, in the well capitalized band.
Also written as Greater Centennial FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 19775
- Headquarters
- Mount Vernon, NY
- Established
- 1969
- Total assets, Q2 2026
- $256K
- Assets vs Q2 2025
- -2.6%
- Members, Q2 2026
- 181
- Net worth ratio, Q2 2026
- 11.43%
- Latest call report
- Q2 2026, NCUA 5300 · Greater Centennial Federal Credit Union call report
- Asset rank in state
- 263rd of 267 in New York
- Routing number
- 221976777
- Branches
- 2
It has 3 more members than on June 30, 2025 (+1.7%). Its net worth ratio was up 2.88 percentage points from 8.55% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $61K of $61K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 12.81% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.43% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Greater Centennial Federal Credit Union
How big is Greater Centennial Federal Credit Union?
At Q2 2026 it reported total assets of $256K and 181 members.
Where is Greater Centennial Federal Credit Union headquartered?
It is headquartered in Mount Vernon, NY, United States.
When was Greater Centennial Federal Credit Union founded?
It was established in 1969, per NCUA records.
Is Greater Centennial Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 19775): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Greater Centennial Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Greater Centennial Federal Credit Union well capitalized?
Its net worth ratio was 11.43% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Greater Centennial Federal Credit Union's delinquency ratio?
Its delinquency ratio was 12.81% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Greater Centennial Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 27.34% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Mount Vernon, NY 10550
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1969
- NCUA Charter #
- 19775
- RSSD ID
- 315487
- Members
- 181
- Potential members
- 3,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 4 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.43% | 14.31% | 27th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | -9.02% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -78.88% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 12.81% | 0.86% | under 10th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.35% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 27.34% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$256K total assets against $263K; $225K total shares and deposits against $241K; $61K total loans against $63K.
$29K net worth against $22K.
11.43% net worth ratio against 8.55%.
27.34% loan-to-share ratio against 26.35%.
12.81% delinquency ratio against 11.04%.
-9.02% return on assets against -3.73%; -78.88% return on equity against -43.66%.
181 members against 178.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.43% | -9.02% | 12.81% | 27.34% |
| March 31, 2026 | 11.73% | 6.53% | 18.64% | 27.12% |
| December 31, 2025 | 9.45% | 12.05% | 10.97% | 32.50% |
| September 30, 2025 | 9.47% | -8.88% | 12.55% | 35.35% |
| June 30, 2025 | 8.55% | -3.73% | 11.04% | 26.35% |
| March 31, 2025 | 9.47% | -1.54% | 4.93% | 28.90% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.