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
- 38,833
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
38,833 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CENTRAL ONE |
|---|---|
| Total Assets | $858.4M |
| Members | 38,833 |
| Loans Outstanding | $682.0M |
| Shares & Deposits | $714.9M |
| Net Worth | $82.2M |
| Net Worth Ratio | 9.58% |
| Loan-to-Share Ratio | 95.4% |
| Delinquency Rate | 0.70% |
| Net Income | +$6,168,491 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Massachusetts RankingsFrequently Asked Questions
Yes. CENTRAL ONE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CENTRAL ONE has 38,833 members and a potential membership field of 1,915,893 people.
CENTRAL ONE's net worth ratio is 9.58% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.6%, CENTRAL ONE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CENTRAL ONE. All financial data is for informational purposes only.