TellerScore

Central One Federal Credit Union is a federal credit union headquartered in Shrewsbury, Massachusetts, in business for about 74 years. At the end of Q2 2026 it reported $872.1M in total assets and $723.0M in member shares and deposits, with 5 offices.

Central One Federal Credit Union has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 93rd. Problem-loan coverage contributes the most (89/100, 5.6%); earnings contributes the least (44/100, 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.72%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.68%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity64/100
Loans ÷ shares: 96.6% · 7.7% uninsured
Problem-loan coverage89/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.62%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (62 → 61).

TellerScore
616364Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202461
Q1 202562
Q2 202562
Q3 202561
Q4 202561
Q1 202663
Q2 202661
Net worth ratio
7.00%8.38%9.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.43%
Q3 20249.69%
Q4 20249.42%
Q1 20259.33%
Q2 20259.56%
Q3 20259.77%
Q4 20259.58%
Q1 20269.45%
Q2 20269.72%
Delinquent loans (60+ days)
0.38%0.59%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.62%
Q4 20240.62%
Q1 20250.55%
Q2 20250.58%
Q3 20250.79%
Q4 20250.70%
Q1 20260.38%
Q2 20260.68%
Return on assets
0.54%0.70%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.86%
Q4 20240.60%
Q1 20250.58%
Q2 20250.68%
Q3 20250.71%
Q4 20250.61%
Q1 20260.54%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$872.1M9.72%0.68%0.59%96.6%
Q1 202663$882.7M9.45%0.38%0.54%95.4%
Q4 202561$858.4M9.58%0.70%0.61%95.4%
Q3 202561$835.9M9.77%0.79%0.71%96.8%
Q2 202562$837.2M9.56%0.58%0.68%93.8%
Q1 202562$840.8M9.33%0.55%0.58%90.6%
Q4 202461$819.7M9.42%0.62%0.60%93.5%
Q3 202463$802.3M9.69%0.62%0.86%96.1%
Q2 202464$803.9M9.43%0.48%0.81%94.0%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.72%
24th
Problem loans0.68%
50th
Net charge-offs0.14%
79th
Return on assets0.59%
38th
Loans to deposits96.6%
6th
Uninsured deposits7.7%
31st
Loan-loss reserves0.00%
50th
Texas ratio5.6%
34th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
All One Credit UnionCredit union Leominster, MA60 out of 100, Moderate$880.8M8.7%0.27%vs
Liberty Bay Credit UnionCredit union Braintree, MA78 out of 100, Strong$827.4M15.1%0.24%vs
Direct Federal Credit UnionCredit union Needham, MA64 out of 100, Moderate$794.7M11.4%0.36%vs
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs
Freedom Credit UnionCredit union Springfield, MA66 out of 100, Moderate$764.0M14.3%1.81%vs
Gfa Federal Credit UnionCredit union Gardner, MA55 out of 100, Moderate$747.3M9.2%0.75%vs

Deposit insurance

Is my money safe at Central One Federal Credit Union?

Yes. Central One Federal Credit Union is a federally insured credit union (NCUA charter #8218). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.7% of shares and deposits ($56.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.72%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Central One Federal Credit Union lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Central One Federal Credit Union reported 821 home-loan applications under HMDA (LEI 549300MUTFJQGRZJH019): 576 originated ($135,780,000 total), 118 denied, and 127 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Central One Federal Credit Union
Type
Federal credit union
NCUA charter #
8218
RSSD ID
556589
Primary regulator
NCUA
Established
1952
Headquarters
714 Main St, Shrewsbury, MA 01545
Employees
135

Quick answers

Central One Federal Credit Union: common questions

Is Central One Federal Credit Union NCUA insured?

Yes. Central One Federal Credit Union is a federally insured credit union (NCUA charter #8218). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Central One Federal Credit Union's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Central One Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Shrewsbury

InstitutionScoreAssetsCapitalProblem loansCompare
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Norfolk Community Federal Credit UnionCredit union Norfolk, MA80 out of 100, Strong$33.0M12.7%0.48%vs