State credit union · Boston, Massachusetts · NCUA charter #67872
ALPHA
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $34.8M
- Total assets
- 3,786
- Members
- 18.3%
- Net-worth ratio
ALPHA scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.8M; members 3,786; net-worth ratio 18.33%; health rank #1,754 of 4,374; healthier than 57th of scored peers.
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NCUA 5300 Call Report Masthead
#1,754 of 4,374 health · 2025Q4ALPHA · health 86/100 · $34.8M · 2025Q4
Call Report peers
ALPHA in the assets neighbourhood
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ALPHA vs every NCUA-scored credit union
ALPHA sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ALPHA: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 67.28% here, 59.80% peer average (+7.48 pp).
Massachusetts standing for ALPHA
- Massachusetts health ordinal: #54 of 126.
- Massachusetts assets place: #79 of 126.
- Member book place in Massachusetts: #68 of 126.
- One place up in Massachusetts, Franklin First (#53) scores 87/100, 1 point higher; one place down, Brookline Municipal (#55) ties at 86/100.
Quarter path for ALPHA
ALPHA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $34.8M (2025Q4) to $35.1M (2026Q1).
- Net-worth ratio shifted +0.39 pp (17.94% → 18.33%).
At 18.33%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
ALPHA gives up 14 points in total. Member Growth costs the most, 12.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.1 pts
- Loan-to-Share Ratio 13.9 pts
ALPHA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.33% | +3.47 pp |
| Delinquency Rate | 0.06% | -1.09 pp |
| Return on Assets | 1.32% | +0.61 pp |
| Member Growth | -3.86% | - |
| Loan-to-Share Ratio | 67.28% | +7.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - ALPHA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.1M | - |
| 2025Q4 | $34.8M | 3,786 |
| 2024Q4 | $34.5M | 3,938 |
| 2023Q4 | $36.8M | 4,091 |
Credit Union Details
- Charter Number
- 67872
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Boston
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for ALPHA.
| Office | City |
|---|---|
| Alpha Credit Union (Main Office) | Boston, MA |
| Alpha Credit Union | Boston, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
ALPHA nationwide neighbourhoods
Using this data
- ALPHA ranks #1,754 of 4,374 nationally on financial health and #54 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Norfolk Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Norfolk Community
Frequently Asked Questions
Is ALPHA financially healthy?
ALPHA has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,754 of 4,374 nationally on health and #54 of 126 in Massachusetts. Its net worth ratio is 18.33% and its delinquency rate 0.06%.
How does ALPHA compare to other credit unions?
ALPHA scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (67.28% vs 59.80%).
How can I join ALPHA?
Membership eligibility for ALPHA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALPHA directly for current membership requirements and application steps.
Is my money safe at ALPHA?
ALPHA 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. ALPHA's net worth ratio of 18.33% 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.