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
- RANK 65/100
- PHOTO 9.0%
- BOOK 1.49%
- CHARTER 0.12%
- NCUSIF $190.4M
- CAMELS 12,872
- HEALTH #3,885/4,374
- NW ABBEY
- DELQ 67951
Call Report peers
ALDEN in the assets neighbourhood
ALDEN's $190.4M assets sit next to ABBEY ($190.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALDEN vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALDEN - Share Insurance Coverage
Charter #67951's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALDEN: 2025Q4 → 2026Q1
ALDEN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $190.4M (2025Q4) to $187.9M (2026Q1).
- Net-worth ratio shifted +0.12 pp (8.87% → 8.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for ALDEN - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($190.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALDEN financially healthy?
ALDEN has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,885 of 4,374; by total assets it ranks #1,300 of 4,374 nationally (same basis as /rankings/largest); and #44 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.99% and delinquency rate of 1.49%.
How does ALDEN compare to other credit unions?
PlainCU's health composite puts ALDEN at 65/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ALDEN are 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."
What rates does ALDEN offer compared to banks?
Credit unions like ALDEN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALDEN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.