State credit union · Chicopee, Massachusetts · NCUA charter #67951
ALDEN
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $190.4M
- Total assets
- 12,872
- Members
- 9.0%
- Net-worth ratio
ALDEN scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $190.4M; members 12,872; net-worth ratio 8.99%; health rank #3,885 of 4,374; healthier than 11th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,885 of 4,374 health · 2025Q4ALDEN · health 65/100 · $190.4M · 2025Q4
Call Report peers
ALDEN in the assets neighbourhood
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ALDEN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALDEN sits in 65-69 with 275 others.
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where ALDEN diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +25.65 pp (97.85% vs 72.20%).
- Net Worth Ratio trails the peer set - 8.99% here, 12.11% peer average (-3.12 pp).
Where ALDEN sits in Massachusetts
- Health composite ranks #115 of 126 among scored Massachusetts credit unions.
- Assets rank #44 of 126 inside Massachusetts ($190.4M reported).
- Massachusetts membership ordinal: #36 of 126.
- One place up in Massachusetts, TREMONT (#114) ties at 65/100; one place down, MYCOM (#116) scores 64/100, 1 point lower.
ALDEN: 2025Q4 → 2026Q1
ALDEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $190.4M (2025Q4) to $187.9M (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.87% → 8.99%).
This credit union's 8.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
ALDEN gives up 35 points in total. Member Growth costs the most, 14.4 of its 15; Net Worth Ratio loses the least, 2.5.
- Net Worth Ratio 27.5 pts
- Delinquency Rate 16.3 pts
- Return on Assets 9.4 pts
- Member Growth 0.6 pts
- Loan-to-Share Ratio 11.2 pts
ALDEN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.99% | -3.12 pp |
| Delinquency Rate | 1.49% | +0.60 pp |
| Return on Assets | 0.12% | -0.50 pp |
| Member Growth | -4.69% | - |
| Loan-to-Share Ratio | 97.85% | +25.65 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
ALDEN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $187.9M | - |
| 2025Q4 | $190.4M | 12,872 |
| 2024Q4 | $194.1M | 13,505 |
| 2023Q4 | $200.4M | 13,852 |
Credit Union Details
- Charter Number
- 67951
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Chicopee
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, ALDEN runs 5 offices in 4 different cities across 3 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Chicopee, MA |
| COCC Co-Location Site | Avon, CT |
| Belchertown | Belchertown, MA |
| Administrative Office | Chicopee, MA |
| Iron Mountain | Royersford, PA |
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.
Cross-state Call Report peers for ALDEN
Using this data
- ALDEN ranks #3,885 of 4,374 nationally on financial health and #115 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Works is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Works
Frequently Asked Questions
Is ALDEN financially healthy?
On its 2025Q4 NCUA 5300 filing, ALDEN scores 65/100 (Good), with a 8.99% net worth ratio and 1.49% of loans delinquent. It ranks #3,885 of 4,374 nationally on health and #115 of 126 in Massachusetts.
How does ALDEN compare to other credit unions?
ALDEN scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (97.85% vs 72.20%). Its widest shortfall is net worth ratio (8.99% vs 12.11%).
How can I join ALDEN?
Membership eligibility for ALDEN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALDEN directly for current membership requirements and application steps.
Is my money safe at ALDEN?
ALDEN is a state-chartered 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. ALDEN's net worth ratio of 8.99% 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.