Central One Federal Credit Union


Overview / Commentary
800-527-1017
714 Main St
Shrewsbury, MA 01545

Central One Federal Credit Union is headquartered in Shrewsbury and is the 15th largest credit union in the state of Massachusetts. It is also the 520th largest credit union in the nation. It was established in 1952 and as of March of 2025, it had grown to 125 employees and 38,956 members at 6 locations. Central One Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Central One Federal Credit Union is open to those who live, work, worship, attend school, volunteer, or own a business anywhere in Worcester County, as well as parts of Middlesex and Norfolk Counties. Also included are family or household members of existing members, and businesses or other legal entities located within this area.
See current membership details

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Health

Health Grade Components

Overall
NCUA #8218
Year Chartered1952
Employees125
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD6.28%
Annual Interest Income$9.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$840.8MM$814.6MM
LoansQ1 2025vs Q1 2024$639.3MM$621.9MM
DepositsQ1 2025vs Q1 2024$705.3MM$682.6MM
Equity CapitalQ1 2025vs Q1 2024$77.4MM$70.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3MM$2.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.5MM$3.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


Central One Federal Credit Union Locations
Branch Office714 Main StShrewsbury, MA 01545
Branch Office148 Main StNorthborough, MA 01532
Branch Office63 Southbridge StAuburn, MA 01501
Branch Office40 South StWestborough, MA 01581
Branch Office123 Summer St Ste 510Worcester, MA 01608-1216
Branch Office82 Prospect StMilford, MA 01757

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