CENTURY
Charter #60435 · SAINT LOUIS, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 17.57% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.30% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 1.77% sits at the 87th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 69th percentile but its structural peers at the 49th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CENTURY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $178.87M | 43th pct | 46th pct |
| Members | 9,500 | 29th pct | 26th pct |
| Net worth ratio | 17.57% | 94th pct | 87th pct |
| Return on average assets | 0.99% | 69th pct | 49th pct |
| Net interest margin | 3.30% | 29th pct | 16th pct |
| Cost of funds | 1.77% | 79th pct | 87th pct |
| Loan-to-share | 73.16% | 53th pct | 57th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 26th pct |
| Net charge-off ratio | 0.26% | 39th pct | 36th pct |
| Loan growth YoY | 5.70% | 89th pct | 85th pct |
| Share growth YoY | 5.34% | 74th pct | 75th pct |
| Efficiency ratio | 70.17% | 25th pct | 36th pct |
structural peer set hash: 70307f0aa19c796b541ae5b4789b1a16… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.