CENTRAL ONE
Charter #8218 · Shrewsbury, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 48th — a 35-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 | CENTRAL ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $882.71M | 83th pct | 48th pct |
| Members | 39,109 | 44th pct | 43th pct |
| Net worth ratio | 9.45% | 28th pct | 36th pct |
| Return on average assets | 0.55% | 44th pct | 49th pct |
| Net interest margin | 2.97% | 18th pct | 30th pct |
| Cost of funds | 2.17% | 88th pct | 62th pct |
| Loan-to-share | 95.38% | 92th pct | 64th pct |
| Delinquency 60+ days | 0.38% | 29th pct | 30th pct |
| Net charge-off ratio | 0.14% | 14th pct | 30th pct |
| Loan growth YoY | 4.60% | 89th pct | 80th pct |
| Share growth YoY | 6.11% | 80th pct | 79th pct |
| Efficiency ratio | 82.75% | 71th pct | 64th pct |
structural peer set hash: c15efa13e343edcd758b954b6a481890… (reproducible)
Closest structural peers
This is the free public view
Claim CENTRAL ONE
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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.