Shrewsbury, Massachusetts · Peer group 6
Central One Credit Union
Central One Credit Union holds $882.7M in assets across 39,109 members as of Q1 2026 — about $23K of assets per member, on a charter dating to 1952. Charter number 8218, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $882.7M |
|---|---|
| Total loans | $701.3M |
| Total shares (deposits) | $735.3M |
| Net worth | $83.4M |
| Members | 39,109 |
| Assets per member | $23K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.0% | |
|---|---|---|
| Loans | 9.7% | around the 81st percentile of its peer group |
| Deposits | 4.3% | around the 48th percentile of its peer group |
| Members | 0.4% | around the 37th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 95.4% | around the 84th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.4% | around the 24th percentile of its peer group |
| Return on assets | 0.54% | around the 38th percentile of its peer group |
| Delinquency ratio | 0.38% | around the 26th percentile of its peer group |
| Cash / assets | 6.0% | around the 27th percentile of its peer group |
| Borrowings / assets | 6.6% | around the 83rd percentile of its peer group |
What this page does not show
Everything above is Central One Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- All One Credit Union
Leominster, MA
$864.4M · 36,606 members
- Liberty Bay Credit Union
Braintree, MA
$839.9M · 21,692 members
- Direct Credit Union
Needham, MA
$789.8M · 23,538 members
- Polish National Credit Union
Chicopee, MA
$765.4M · 28,647 members
- Gfa Credit Union
Gardner, MA
$760.6M · 33,415 members
- Freedom Credit Union
SPRINGFIELD, MA
$757.4M · 31,707 members
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