# CENTURY
Independence, OH · NCUA charter 5852 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/century-5852

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 29,136 members of 2,000,000 potential (1.5% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 49.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $474.6M |
| Members | 29,136 (0.3% YoY) |
| Full-time staff | 84 |
| Net worth | $51.2M |
| Net worth ratio | 10.8% (p43 of band) |
| ROA (annualized) | 0.71% (p51 of band) |
| Total delinquency | 0.59% (p49 of band) |
| Net charge-offs (annualized) | 0.29% (p41 of band) |
| Loans / shares | 79% (p63 of band) |
| Cash / assets | 5.6% |
| Borrowings / assets | 1.51% |
| Net interest margin | 3.46% (p43 of band) |
| Operating expense / assets | 3.52% (p43 of band) |
| Vehicles % of loans | 13% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 9% |
| Third-party paper % of net worth | 29% (p34 of band) |
| Vehicle delinquency | 0.43% (p38 of band) |
| Vehicle NCO | 0.59% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 23% |
| Average share balance | $8,422 |
| Participations bought / yr | $5.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $23.6M |
| Loans outstanding per 100 members | 49% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $23,370 |
| Loans granted, annualized | $89.6M |

## Participation posture (from the same filings)

Bought $5.8M and sold $0 in the latest annualized quarter; $23.6M outstanding purchased (46.2% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | thin capital |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 2 | members leaving |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising | thin capital |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | delinquency rising, assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | members leaving |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 0 |  | members leaving, delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-06 [Century FCU Teams Up With Cleveland Guardians in Multi-Year Deal - CUTimes](https://news.google.com/rss/articles/CBMiogFBVV95cUxPWENJdlpobVNzWnhuWk9sc21pZWNjanF6UjBuSy1sZjE3OEpWVHpBZ2hHR1hSRVRpME1HbHRLZXdlSUUwTUFNeTdlSmxoMWFPMXY0WEc0Um5taFF5NFlOTlFaeWNGR0dOcXhvTzMxWlhZVndTU3NxRTc0OXlrU0dvVHJCUjJOU2FfRVg3TERsWEdWWTA4ZzhCUzUyVS1fZGx5Y1E?oc=5) · CUTimes
- 2026-04-05 [Century FCU Lands Multi-Year Deal With Cleveland Guardians - cutoday.info](https://news.google.com/rss/articles/CBMimwFBVV95cUxNbzM1OXZVbkFQZmFWTl83Skt4Ulg3QmktMUdtY2VZSzVGODN1d0FMSmp2bWxYcDd5cVVPY21TaVM1Vy1RR0p5RDlpbzRjdXBlVTU4SzM2NE5STHdNRTBIY3lEVTh4R1Z0TUt5U1FabWdMazBWUklJay1IeThfVmpUem1yNWxWdkRtYWt3QUJRakZPX1N3azdGVDM0Yw?oc=5) · cutoday.info
- 2026-06-23 [What's in the 21st Century ROAD to Housing Act? A Section-by-Section Summary of the Final Law - Bipartisan Policy Center](https://news.google.com/rss/articles/CBMirgFBVV95cUxOTXJ3MGVrbW55SEJ6SzRrN2ZqTGNlU3JxQVlUaG9nVWVqTUVzWGxIQjROVUR3NGYwelJIY3BQZHpwaHRvVnZsc3AteWhBRVJyeGdsMVdva1RRNktaRnJvZ3lGNjFNU0JXYURPWUFjZkhWZEFHeWZCMHRlV1liQ2JMOTF5QV9kREgxZFVndHFYSXY3dHR5dzhYU1plc3Jsb0tMNHdjaTB6UElZUnNxVkE?oc=5) · Bipartisan Policy Center
- 2026-02-12 [Ranking Member Maxine Waters Applauds Passage of Landmark Bipartisan Housing Bill “Housing for the 21st Century Act,” Including Key Democratic Wins - U.S. House Committee on Financial Services Democrats (.gov)](https://news.google.com/rss/articles/CBMikgFBVV95cUxOeW5zZzRzOEpFcXNScEdxODdYY0hEUHRvc1p2cjlLa1JYUFhIOFVRZ3VDTFBuTTNmQmc5UDM0ZWc0VFFTMk80M3pxWElBWVh3ZkkyMU5tandLOXRoVl9XNHM2QXV5ZGFBNVowNTRMOHo4QTJfcmtFbDFMb0tBd1ZhdnFNRVdEZEdBS3F3S09hY0NPZw?oc=5) · U.S. House Committee on Financial Services Democrats (.gov)
- 2026-03-27 [Settling into Sherwin-Williams’ HQ - NEOtrans](https://news.google.com/rss/articles/CBMid0FVX3lxTE0taVV2WmZrekVFRHBZa0hmc0IxM21aUndlbUNCMXphV2xnUHh3OW5uVkUtOHZabUFSc1BNX1czTkw4MHY2VTlpU2kyZEo1VnNLSDJ3bE5qREs4MWdWRnQzT3dHY2dIRXJ2cXR4dFI2UlhJVWxDa1FZ?oc=5) · NEOtrans
- 2026-06-23 [Congress Passes Landmark Housing Affordability Bill - Realtor.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbmxTSWVfb0Zsemd6SWZXMUx6cW9fTXh6cTBGMjZHQ0pzemJCdng0Zi05M3VtWDh5cTdCcGRtQ0ZNNkhJR0s5djVlTG1nbmcyV2tpRTk3NkZPYm1xd3FEbGRlazgzTmpuOG5TNkZ4QmZybnZlQjBqS0ZwWmd0OHV5SmtMQ3prNEdpNjlTRWZn?oc=5) · Realtor.com
- 2018-11-01 [All the right (personnel) moves | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMihAFBVV95cUxNM3IxNHptTWh2TjI3RDNqOXV1cWZOVUN2NzRBdXpXd2t1MFZjOUFOR3FoN0c5WVpqQ2JQSjVHZVlHVGlaNGVuOHV2N2lqRFRjZDV0TDN3c2tnN0VqZ29zS283dlpRdUpsN2tmc29uMXJDWTJlNFk0WTRwOGRnajBVQ0tmODQ?oc=5) · American Banker
- 2025-04-22 [Cleveland Monsters Official Fan Guide for 2025 Calder Cup Playoffs - Cleveland Monsters](https://news.google.com/rss/articles/CBMiowFBVV95cUxNeFIzdFVKdGFMVWQycnBJZjFHUHJ0UVFTWXNUS3BCSnhDa3I5QS1uQnJ0SDUyT0pxaWlMam05alE5MHlYaEdmeVdDXzlUUnBrMEctcjZ4MWp2b3Y3cnV0SmtqSUpiQUhXTk5IRC1RWjBCYXRwbS0tRk5Db1l0aEFBRFAyWWVsdGVxVWJRYWU2VXQ3a0t5VG84LUdyWE1NRC1BOEhn?oc=5) · Cleveland Monsters

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5852 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "5852", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5852
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide