Federal credit union · BOSTON, Massachusetts · NCUA charter #5256
600 Atlantic
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $38.9M
- Total assets
- 1,459
- Members
- 13.4%
- Net-worth ratio
600 Atlantic scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.9M; members 1,459; net-worth ratio 13.35%; health rank #1,627 of 4,374; healthier than 60th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,627 of 4,374 health · 2025Q4600 Atlantic · health 87/100 · $38.9M · 2025Q4
Call Report peers
600 Atlantic in the assets neighbourhood
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600 Atlantic vs every NCUA-scored credit union
600 Atlantic sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where 600 Atlantic diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +1.04 pp (60.84% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -1.51 pp (13.35% vs 14.86%).
Massachusetts standing for 600 Atlantic
- Health composite ranks #48 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #75 of 126.
- Member book place in Massachusetts: #93 of 126.
- One place up in Massachusetts, MALDEN (#47) ties at 87/100; one place down, Leominster Employees (#49) ties at 87/100.
How 600 Atlantic's 5300 filing moved
600 Atlantic: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $38.9M (2025Q4) to $39.3M (2026Q1).
- Net-worth ratio shifted -0.01 pp (13.36% → 13.35%).
13.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
600 Atlantic gives up 13 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 12.9 pts
Call Report ratios for 600 Atlantic
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.35% | -1.51 pp |
| Delinquency Rate | 0.86% | -0.29 pp |
| Return on Assets | 0.67% | -0.04 pp |
| Member Growth | -0.75% | - |
| Loan-to-Share Ratio | 60.84% | +1.04 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
600 Atlantic quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.3M | - |
| 2025Q4 | $38.9M | 1,459 |
| 2024Q4 | $40.5M | 1,470 |
| 2023Q4 | $41.4M | 1,473 |
Credit Union Details
- Charter Number
- 5256
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- BOSTON
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for 600 Atlantic, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| 600 Atlantic Federal C.U. (Main Office) | Boston, MA |
| Fiserv Portico | Brookfield, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Other-state peers near 600 Atlantic
Similar total assets
Using this data
- 600 Atlantic ranks #1,627 of 4,374 nationally on financial health and #48 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- METHUEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with METHUEN
Frequently Asked Questions
Is 600 Atlantic financially healthy?
On its 2025Q4 NCUA 5300 filing, 600 Atlantic scores 87/100 (Excellent), with a 13.35% net worth ratio and 0.86% of loans delinquent. It ranks #1,627 of 4,374 nationally on health and #48 of 126 in Massachusetts.
How does 600 Atlantic compare to other credit unions?
600 Atlantic scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (60.84% vs 59.80%). Its widest shortfall is net worth ratio (13.35% vs 14.86%).
How can I join 600 Atlantic?
600 Atlantic serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact 600 Atlantic directly for the current list of qualifying groups.
Is my money safe at 600 Atlantic?
600 Atlantic is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 600 Atlantic's net worth ratio of 13.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.