Century Credit Union
Saint Louis, MO·Charter 60435·cu:60435·Credit union RBC / net worth
- #21 of 87Total assets in Missouri
- 9,611members
- Top 7%Loan growth in the U.S.
- #8 of 41Member growth in Missouri
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
No material changes against peers this quarter
0 of 24 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Where Century Credit Union differs most from peers
Loans growing faster than peersContext: Lending+15.0%peers +2.6%+12.4 pp
Century Credit Union's loans grew 15.0% over the past year to $112 million. The median among 770 similar credit unions was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +15.0% | +2.6% | +12.4 pp |
| Loans | ||
| $112 million | ||
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Century Credit Union itself is left out of every peer median and percentile. How signals work
Efficiency ratio rising faster than peersContext: Efficiency68.8%peers 77.0%-8.2 pp
Century Credit Union's efficiency ratio rose 12.4 percentage points over the past year to 68.8%. Among 770 similar credit unions, the median rose 0.3 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 68.8% | 77.0% | -8.2 pp |
| 12-month change | ||
| +12.4 pp | +0.3 pp | +12.1 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Century Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio among the highest of similar credit unionsContext: Capital17.55%peers 11.74%+5.8 pp
Century Credit Union's net worth ratio was 17.55%, compared with a median of 11.74% among 770 similar credit unions: higher than 92% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 17.55% | 11.74% | +5.8 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Century Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Century Credit Union is a state-chartered credit union headquartered in Saint Louis, Missouri. It reported $182 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $149 million, up 8.7% from a year earlier, and loans totaled $112 million, up 15.0%.
- Its net interest margin on average assets was 3.36% and its annualized return on assets was 1.11% for the quarter.
- Its cost of all shares and deposits was 1.87%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 9,611 members, up 4.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Century Credit Union's own data, FORFI would look at: Which borrowers are behind the loan growth, and what else those relationships need.
Analysis workspaces
Sources and identifiers
- Institution
- Century Credit Union · Credit union
- NCUA charter
- 60435
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Century Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $500.08K | |
| $2.2M | |
| $690.26K | |
| $1.51M | |
| $417.57K | |
| $1.33M | |
| $101.8K | |
| $101.8K | |
| 1.11% | |
| 3.36% | |
| 68.80% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.