TellerScore

Century Credit Union (NCUA charter #60435) is based in Saint Louis, Missouri. Its Q2 2026 call report shows $182.0M in total assets and $149.2M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Century Credit Union scores 87/100, which we describe as very strong. That is higher than 91% of 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 9th. Its strongest component is capital cushion (100/100; 17.55%), and its lowest is earnings (61/100; 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.55%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity85/100
Loans ÷ shares: 75.2% · 7.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.32%

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

From Q2 2025 to Q2 2026, the score fell 5 points (92 → 87), mostly because the earnings component weakened by 22 points.

TellerScore
869093Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202489
Q3 202489
Q4 202488
Q1 202593
Q2 202592
Q3 202593
Q4 202586
Q1 202686
Q2 202687
Net worth ratio
7.00%12.59%18.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.77%
Q3 202417.96%
Q4 202418.17%
Q1 202517.78%
Q2 202517.79%
Q3 202517.97%
Q4 202517.93%
Q1 202617.57%
Q2 202617.55%
Delinquent loans (60+ days)
0.25%0.50%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.45%
Q4 20240.59%
Q1 20250.25%
Q2 20250.29%
Q3 20250.25%
Q4 20250.75%
Q1 20260.40%
Q2 20260.37%
Return on assets
0.97%1.31%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.32%
Q4 20241.31%
Q1 20251.53%
Q2 20251.57%
Q3 20251.66%
Q4 20251.41%
Q1 20260.97%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$182.0M17.55%0.37%1.03%75.2%
Q1 202686$178.9M17.57%0.40%0.97%73.2%
Q4 202586$172.9M17.93%0.75%1.41%74.9%
Q3 202593$170.7M17.97%0.25%1.66%72.9%
Q2 202592$167.9M17.79%0.29%1.57%71.1%
Q1 202593$164.1M17.78%0.25%1.53%70.5%
Q4 202488$157.2M18.17%0.59%1.31%68.7%
Q3 202489$156.2M17.96%0.45%1.32%68.3%
Q2 202489$154.4M17.77%0.40%1.22%67.6%

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 ratio17.55%
94th
Problem loans0.37%
76th
Net charge-offs0.27%
61st
Return on assets1.03%
68th
Loans to deposits75.2%
51st
Uninsured deposits7.7%
32nd
Loan-loss reserves0.00%
50th
Texas ratio1.3%
85th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Public Safety Credit UnionCredit union Kansas City, MO78 out of 100, Strong$191.4M12.7%0.39%vs
Conservation Employees Credit UnionCredit union Jefferson City, MO74 out of 100, Strong$194.9M9.8%0.20%vs
R G Federal Credit UnionCredit union Raymore, MO60 out of 100, Moderate$153.6M10.0%0.58%vs
United Consumers Credit UnionCredit union Independence, MO69 out of 100, Moderate$217.2M12.0%1.17%vs
Ozark Federal Credit UnionCredit union Poplar Bluff, MO81 out of 100, Strong$142.5M11.6%0.18%vs
Central Missouri Community Credit UnionCredit union Warrensburg, MO60 out of 100, Moderate$140.2M8.2%0.52%vs

Deposit insurance

Is my money safe at Century Credit Union?

Yes. Century Credit Union is a federally insured credit union (NCUA charter #60435). 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 ($11.5M) 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 17.55%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Century Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Century Credit Union reported 128 home-loan applications under HMDA (LEI 25490039MDCTJ7ZJ8204): 112 originated ($12,110,000 total), 6 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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
Century Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60435
RSSD ID
449092
Primary regulator
State + NCUA
Established
1954
Headquarters
1540 Lemay Ferry Rd, Saint Louis, MO 63125
Employees
37

Quick answers

Century Credit Union: common questions

Is Century Credit Union NCUA insured?

Yes. Century Credit Union is a federally insured credit union (NCUA charter #60435). 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 Century Credit Union's TellerScore?

87 out of 100 (Very strong), 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 Century Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Louis

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Town & Country BankBank Salem, MO86 out of 100, Very strong$747.7M12.4%0.35%vs