A summary of presentations given by Century's top three leaders at the 2026 Annual Membership Meeting
Century Credit Union experienced one of the strongest years in its history during 2025, marked by exceptional financial performance, national recognition, and continued organizational growth.
The credit union earned a ranking of #44 from S&P Global Market Intelligence among nearly 1,800 credit unions nationwide with assets exceeding $100 million and a capital ratio of 7.00% or higher.
In addition, Century maintained BauerFinancial’s 5-star “Superior” rating throughout the year and continued to hold one of the highest Weiss ratings among credit unions in the St. Louis region.
These recognitions reflected not only financial strength, but also the organization’s consistency, disciplined management, and commitment to serving members responsibly.
Financially, the organization demonstrated strong and sustainable growth across key areas.
Assets increased to $172 million, while membership grew by more than 5%. Century also maintained a capital ratio near 18%, significantly above peer averages, and achieved a strong return on average assets of 1.46%.
Lending activity was a major contributor to this success, with the credit union issuing more than $43 million in loans — the highest lending volume in its history. Auto lending expanded significantly through the growth of the indirect lending program, while home equity lending remained strong as members leveraged rising home values. Importantly, this growth was achieved while maintaining excellent credit quality, low delinquency levels, and minimal charge-offs.
Regulators and independent auditors confirmed Century remains financially strong, well-managed, and operationally sound, citing strong earnings, disciplined expense management, effective controls, and excellent loan portfolio performance at the time of examination.
Leadership emphasized that 2025 was not simply a successful year, but a defining one for the organization. Growth occurred across nearly every aspect of operations, including membership, lending, engagement, and service delivery. Century continued investing heavily in technology to improve the member experience, including enhancements to online account opening, faster payment capabilities, and improvements to the organization’s website and digital banking tools.
The focus remained centered on giving members greater convenience, easier access to services, and more control over their financial lives.
A major theme throughout the year was listening and responding to member feedback. Century conducted a member survey that confirmed strong trust in the organization, with members recognizing the credit union’s competitive rates, lower fees, and high level of service. At the same time, members identified opportunities for improvement, including faster access to funds, enhanced digital capabilities, stronger rewards, and additional savings opportunities. Leadership noted that this feedback directly influenced several improvements already underway, including expanded faster payment options, upgraded digital services, and a year-round benefit structure that continuously rewards members for using their accounts and services.
Century further demonstrated its cooperative mission by returning more than $150,000 directly to members through bonus dividends and loan interest rebates during 2025.
Beyond financial benefits, the credit union also remained deeply involved in the community through volunteer efforts, charitable drives, and support for numerous nonprofit organizations. Internally, the organization continued investing in employee training and development to ensure the team was prepared to support continued growth and evolving member needs.
Overall, the reports from the board chairman, president & CEO, and supervisory committee chairman collectively portray 2025 as a milestone year for Century Credit Union. Leadership consistently reinforced that the credit union’s success is rooted in its member-focused mission, commitment to community involvement, and dedication to long-term sustainable growth.
To read leadership's full, written reports that were included in the annual meeting packet given to attendees and view consolidated financial statements comparing 2025 to 2024, click here.