Central One

Shrewsbury, MA · 1 · Charter #8218 · www.centralfcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$858.4M
91th percentile
Members
38,833
73th percentile
Total loans
$682.0M
95th percentile
Total shares
$696.5M
89th percentile

Profitability

Return on assets
0.42%
15th percentile
Net interest margin
2.86%
18th percentile
Efficiency ratio
53.66%
71th percentile
Non-interest income ratio
15.44%
29th percentile

Capital & Risk

Net worth ratio
9.58%
27th percentile
Delinquency rate
0.70%
52th percentile
Net charge-off rate
0.18%
80th percentile
Loan-to-share
97.93%
89th percentile

Growth

Member growth YoY
0.49%
49th percentile
Asset growth YoY
4.72%
46th percentile
Loan growth YoY
6.59%
64th percentile
Share growth YoY
2.43%
32th percentile

Operations

Members / branch
4,315
43th percentile
Assets / member
$22,105
84th percentile
Field of membership penetration
2.03%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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