CENTRAL ONE
Federal • Shrewsbury, Massachusetts • Est. 1952
Quick Facts
- Charter Number
- #8218
- Type
- Federal
- Established
- 1952
- Headquarters
- Shrewsbury, Massachusetts 01545
- Address
- 714 Main St
- Branches
- 9
- ATMs
- 6
- Members
- 39,109
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
39,109 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CENTRAL ONE |
|---|---|
| Total Assets | $882.7M |
| Members | 39,109 |
| Loans Outstanding | $701.3M |
| Shares & Deposits | $735.3M |
| Net Worth | $83.4M |
| Net Worth Ratio | 9.45% |
| Loan-to-Share Ratio | 95.4% |
| Delinquency Rate | 0.38% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
9 locations · 6 ATMs
Central One Federal Credit Union
Main Office714 Main St
Shrewsbury, MA 01545
Northborough-148 Main St.
148 Main St
Northborough, MA 01532
Auburn
63 Southbridge St
Auburn, MA 01501
Westborough
40 South St
Westborough, MA 01581
Southgate
30 Julio Dr
Shrewsbury, MA 01545
Who Can Join CENTRAL ONE?
Membership Type: Other/Unknown
Membership eligibility for CENTRAL ONE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CENTRAL ONE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Massachusetts
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Massachusetts RankingsFrequently Asked Questions
CENTRAL ONE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CENTRAL ONE has 39,109 members and a potential membership field of 1,915,893 people.
CENTRAL ONE's reported net worth ratio is 9.45% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
CENTRAL ONE operates 9 branch locations and has access to 6 ATMs. The main office is located at 714 Main St, Shrewsbury, MA 01545.
CENTRAL ONE was established in 1952. It is a federal credit union chartered under charter number 8218. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CENTRAL ONE. All financial data is for informational purposes only.