Central One Federal Credit Union

Overview / Commentary
714 Main St
Shrewsbury, MA 01545

Central One Federal Credit Union is headquartered in Shrewsbury and is the 19th largest credit union in the state of Massachusetts. It is also the 540th largest credit union in the nation. It was established in 1952 and as of December of 2022, it had grown to 109 employees and 37,247 members at 5 locations. Central One Federal Credit Union has a B+ 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 Grade Components

NCUA #8218
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD7.2%
Annual Interest Income$22.0MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$762.1MM$734.2MM
LoansQ4 2022vs Q4 2021$574.1MM$531.9MM
DepositsQ4 2022vs Q4 2021$656.9MM$654.7MM
Equity CapitalQ4 2022vs Q4 2021$64.5MM$57.7MM
Loan Loss AllowanceQ4 2022vs Q4 2021$1.6MM$1.5MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$965.00K$1.2MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0

Rates for Central One Federal Credit Union are currently being reviewed.


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

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