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Central One Federal Credit Union

Central One Federal Credit Union Vendor Cyber Rating & Cyber Score

centralfcu.com

We’re here to make finances feel less overwhelming and more empowering. Putting people first is central to everything we do. As a for-impact organization, our purpose goes beyond financial services. Our roots run deep in the Massachusetts communities that we serve, and we're proud to give back through donations, volunteer work, and hands-on assistance where it’s needed most. We’re not just your credit union...we’re your partner, your neighbor, and your biggest supporter.


COFCU A.I CyberSecurity Scoring

COFCU
Company Information
Website:http://www.centralfcu.com
Employees number:124
Number of followers:1,283
NAICS:52211
Industry Type:Banking
Homepage:centralfcu.com
COFCU Risk Score (AI oriented)
Between 0 and 549
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COFCUBanking
Updated:
02/04/2026
539/1000
Critical
C
AaaAaABaaBaBCaaCaC
Powered by our proprietary A.I cyber incident model
Insurance prefers TPRM score to calculate premium
COFCU Global Score (TPRM)
xxxx
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COFCUBanking
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Score locked
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Findings

COFCU
COFCUCritical
Current Score
539C (CRITICAL)
01000
3 incidents
-80.5 avg impact
Incident timeline with MITRE ATT&CK tactics, techniques, and mitigations.
JULY 2026
552Before Incident
JUNE 2026
549Before Incident
MAY 2026
544Before Incident
APRIL 2026
542Before Incident
MARCH 2026
538Before Incident
FEBRUARY 2026
534Before Incident
JANUARY 2026
530Before Incident
DECEMBER 2025
523Before Incident
NOVEMBER 2025
588Before Incident
Breach
13 Nov 2025COFCU
Central One Federal Credit Union

Central One Federal Credit Union Data Breach

519After Incident
CRITICAL-69
CEN1002610111425
Central One Federal Credit Union, a Massachusetts-based financial institution, experienced a significant cybersecurity breach where an unauthorized individual accessed and exfiltrated sensitive personally identifiable information (PII) of tens of thousands of individuals. The compromised data included highly sensitive details such as Social Security numbers, government-issued IDs (driver’s licenses, passports, state IDs), financial information (account numbers, credit/debit card details), medical records, and health insurance data. The breach exposed customers to severe risks, including identity theft, financial fraud, and medical identity fraud, given the breadth of stolen information. The incident prompted a legal investigation by Lynch Carpenter, LLP, a national class-action law firm, which is assessing claims for potential compensation on behalf of affected individuals. The breach underscores critical vulnerabilities in Central One’s data security measures, raising concerns about long-term reputational damage and regulatory scrutiny. Victims were notified via breach letters, and the firm urged impacted individuals to seek legal review for possible remedies. The scale and sensitivity of the exposed data suggest a high-severity incident with far-reaching consequences for both the credit union and its customers.
INCIDENT DETAILS -
TYPE
Data Breach
IMPACT
Personally Identifiable Information (PII)Social Security numbersGovernment-issued ID numbers (e.g., driver’s license, passport, state ID card)Financial Information (e.g., account number, credit or debit card number)Medical InformationHealth Insurance InformationCentral One’s networkBrand Reputation Impact: Potential (under investigation by Lynch Carpenter, LLP for class action claims)Legal Liabilities: Potential (Lynch Carpenter, LLP investigating claims for compensation)Identity Theft Risk: High (PII including SSNs and financial data exposed)Payment Information Risk: High (financial information including account and card numbers exposed)
DATA BREACH
Personally Identifiable Information (PII)Social Security numbersGovernment-issued ID numbersFinancial InformationMedical InformationHealth Insurance InformationNumber Of Records Exposed: Tens of thousandsSensitivity Of Data: High (includes SSNs, financial, medical, and insurance data)Data Exfiltration: Likely (files accessed and/or acquired)NamesSocial Security numbersDriver’s license numbersPassport numbersState ID card numbersAccount numbersCredit/debit card numbersMedical informationHealth insurance information
OCTOBER 2025
667Before Incident
SEPTEMBER 2025
665Before Incident
AUGUST 2025
692Before Incident
Breach
26 Aug 2025COFCU
Central One Federal Credit Union

Central One Federal Credit Union Data Breach (2025)

600After Incident
CRITICAL-92
CEN5702257111425
Central One Federal Credit Union, a community-based financial institution in Massachusetts, experienced a data breach between August 26 and August 30, 2025, when an unauthorized third party accessed its network and exfiltrated files containing sensitive personal data. The compromised information included names, Social Security numbers, driver’s license/state ID numbers, financial records, and medical/health insurance details, affecting up to 57,000 individuals. The breach was detected just before Labor Day, prompting an internal investigation and system lockdown. The incident exposed customers to risks of identity theft, financial fraud, and unauthorized account activity, leading to a class-action lawsuit investigation by Edelson Lechtzin LLP for potential legal remedies. The breach underscores significant vulnerabilities in Central One’s cybersecurity defenses, with long-term reputational and financial repercussions for both the institution and its members.
INCIDENT DETAILS -
TYPE
Data Breach
IMPACT
NamesSocial Security numbersDriver’s license or state ID numbersFinancial dataMedical or health insurance informationBrand Reputation Impact: Potential (class action lawsuit investigation)Legal Liabilities: Potential (class action lawsuit investigation by Edelson Lechtzin LLP)Identity Theft Risk: High (personal and financial data exposed)Payment Information Risk: High (financial data exposed)
DATA BREACH
Personally Identifiable Information (PII)Financial DataHealth Insurance InformationNumber Of Records Exposed: 57,000Sensitivity Of Data: High (includes SSNs, financial, and medical data)Data Exfiltration: Yes (files copied by unauthorized third party)NamesSocial Security numbersDriver’s license or state ID numbers
MAY 2025
754Before Incident
Breach
01 May 2025COFCU
Central One

Central One Data Breach - November 2025

687After Incident
CRITICAL-67
CEN0093000111525
On November 12, 2025, Central One disclosed a data breach to the Attorney General of Texas, revealing that an unauthorized third party may have accessed its systems, compromising sensitive personal and protected health information. The exposed data includes names, Social Security numbers, driver’s license numbers, government-issued IDs (e.g., passports, state IDs), financial details (account, credit/debit card numbers), medical records, and health insurance information. The breach’s full scope remains undisclosed as of November 14, 2025, but notifications to affected individuals have begun. The incident poses severe risks, including identity theft, financial fraud, and misuse of health data, given the highly sensitive nature of the compromised information. The lack of public details suggests ongoing investigations, but the confirmed exposure of PII and PHI underscores the breach’s critical severity.
INCIDENT DETAILS -
TYPE
Data Breach
IMPACT
NameSocial Security numberDriver’s license numberGovernment-issued ID number (e.g., passport, state ID card)Financial information (e.g., account number, credit or debit card number)Medical informationHealth insurance informationIdentity Theft Risk: High (PII and PHI exposed)Payment Information Risk: High (financial information exposed)
DATA BREACH
Personally Identifiable Information (PII)Protected Health Information (PHI)Financial InformationSensitivity Of Data: HighData Exfiltration: Potentially accessed (unconfirmed)NameSocial Security numberDriver’s license numberGovernment-issued ID number (e.g., passport, state ID card)

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