# CENTURY
SAINT LOUIS, MO · NCUA charter 60435 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/century-60435

Who the members are: state charter, organized 1954. 9,500 members of 1,610,994 potential (0.6% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 1395.

**Verdict on the desk:** this could be *participation buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $178.9M |
| Members | 9,500 (4.6% YoY) |
| Full-time staff | 27 |
| Net worth | $31.4M |
| Net worth ratio | 17.6% (p92 of band) |
| ROA (annualized) | 0.97% (p67 of band) |
| Total delinquency | 0.40% (p32 of band) |
| Net charge-offs (annualized) | 0.26% (p41 of band) |
| Loans / shares | 73% (p57 of band) |
| Cash / assets | 33.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.25% (p27 of band) |
| Operating expense / assets | 2.94% (p25 of band) |
| Vehicles % of loans | 47% (p67 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 87% (p67 of band) |
| Vehicle delinquency | 0.68% (p57 of band) |
| Vehicle NCO | 0.16% (p27 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 5% |
| Core shares % of member funds | 48% |
| Certificates % of member funds | 17% |
| Average share balance | $6,988 |
| Participations bought / yr | $6.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $15.6M |
| Loans outstanding per 100 members | 1395% |
| Loans granted per 100 members, annualized | 487% |
| Average loan balance | $809 |
| Loans granted, annualized | $46.2M |

## Participation posture (from the same filings)

Bought $6.8M and sold $0 in the latest annualized quarter; $15.6M outstanding purchased (49.7% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 9.3% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 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)
- 2024-10-25 [Arrest made in robbery of credit union in St. Louis County - KMOV](https://news.google.com/rss/articles/CBMikgFBVV95cUxNZzl6M0h2MUQyUlVZNkp6bEw5UXhNVEhVSEZDR05aYnZKZFZaamZzS2JJV21FeVVyNzdaS3EyeVdKTHJRZ3JHQ2ZFNi15VzJfdjlIaXQ0WWw0Tkx3OFRtanQ0UGVqRHFiUlJ1Q0hNdzVJZlNVNGNHb1hXaDg1MHVWQko1ZkdmRGNGYVdFcW9aaFg5UdIBpgFBVV95cUxQa2NvYXVhaTJORllCb0dYMHhPVGM1WWNGU0R4WUFTczNaTFJQXzRTa1Fkdm02dS1FSTNOR1dLMFptSzZkOEE2YWNJYVV3a2NreUtDWTBubldkcktlYUJnSWRlb0Q2NkN4WGEzS3o3N0FoYURHWlNwYW90Wk9JRkJiUERReEdIYlZJa3dWbXU1Xzk1UUtDSkg2azJoVkRfd2did3dlMzB3?oc=5) · KMOV
- 2017-10-07 [Police look for suspect in Century Credit Union robbery - St. Louis Call Newspapers](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPdHRVdTJQanpEQkNLM1JBRmlBOHFYWDVMYmdnWl80WnJMVFczQ2Fjc1ZUajk0X3Y1M0lBYWpvNVR3NGFycVpsSUNXZGRhcTg4TmZMZ2dQMFl4NUFzeGh6WEVDTGpITlBEUmZDejRQdVMzOVNCZGkyeTgyYmt5N3paSUFQZ0RELVdMWWk0?oc=5) · St. Louis Call Newspapers
- 2025-08-19 [These 2 checking accounts offer 7% — plus 8 more of the best checking account APYs of August 2025 - MarketWatch](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQWEFkVWVVWXktU196bTJiRG10bVNsNWJ2U3F6YURYLVZOTHJ1SjVvbWUxVTdvaDg2ajBoZ0pGbng1SFJGakoxSkRmaFBIQUg0aDV0Nm5MWDZEMEtsZnd0aGo3SmRFbDluZmJ1NFNKTEJJQjY1Mk9udm5PbU5uYlJiVW1CQUJHc3J6VU9NMWt1Qjhjb3U3TWw5NUVzelUxTy1UTklfczVmNGZQejRlZ2RJdHpQX1hPSnd0cWs0Rk1maEhkOV9FTlVTUklHYWFiUGFEUXV3?oc=5) · MarketWatch
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2024-02-29 [Google Wallet gains support for 42 more banks ahead of planned Google Pay app shutdown - Android Central](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOE5QeGtRbEI0Z09yRXY2Z2EzOFhBbUdJa0Uxb2tEWmt2QkYyampBWHl4MkN0XzBSRFpVYjhaQlVmcWJPelZWUzlSdXQ1VDc1NWg1V3ZJdGNFMWJJaGlfR0hTY3RaaTF1eDZEdDdLX2Jka3BLZmJTQW5qN0ltSFJmbXp1MTR5YnZpRDJicldHNWU?oc=5) · Android Central
- 2016-11-16 [Diane Wood Obituary - St. Louis, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE8xcTZPSk5FWjNpMGM4dUxwc3ZQam5OMGxNZkRxU0s3dUdjck9hZWJxejIyenFVcGdFSFRYYXFZQ1lEeTBnbnBRb3prOUVtaUJCdE9JN2w1d2tIRVNvRTRlVjdPQzI0R2VPVExjbWRzZlFUcXVscXphaEkwNHB2QQ?oc=5) · Dignity Memorial
- 2010-05-08 [Charles E. Braden Obituary May 8, 2010 - lindleyfuneralhomes.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBJS1BmaE1zSElSeU1RSmZNY1ZGVGtDRm1FdFBEN0JJcUROQVJoaF9DblVKZGtBa3JMZGZuNmsyUGNMMERHTTk4dnJRWm9hSlF0TXNDaWV0WVpnek8tRDMzN2hoNm5janMya0Eza0JEVUc?oc=5) · lindleyfuneralhomes.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60435 (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/19.json (key "60435", 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=60435
- 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.

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