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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,754 of 4,374 health · 2025Q4ALPHA · health 86/100 · $34.8M · 2025Q4
- NCUSIF 86/100
- CAMELS 18.3%
- HEALTH 0.06%
- NW 1.32%
- DELQ $34.8M
- ROA 3,786
- ASSETS #1,754/4,374
- MEM ACADEMIC
- RANK 67872
Call Report peers
ALPHA in the assets neighbourhood
ALPHA's $34.8M assets sit next to ACADEMIC ($34.7M) 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.
ALPHA 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
86 Top 43% higher than 57% 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
ALPHA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67872, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
ALPHA: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 67.28% here, 59.80% peer average (+7.48 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for ALPHA
- Massachusetts health ordinal: #54 of 126.
- Massachusetts assets place: #79 of 126.
- Member book place in Massachusetts: #68 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.
Quarter path for ALPHA
ALPHA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $34.8M (2025Q4) to $35.1M (2026Q1).
- Net-worth ratio shifted +0.39 pp (17.94% → 18.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for ALPHA - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
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
- 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 ALPHA financially healthy?
A 18.33% net worth ratio and a 0.06% delinquency rate feed into ALPHA's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,754 of 4,374; by total assets it ranks #2,727 of 4,374 nationally (same basis as /rankings/largest); and #79 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ALPHA compare to other credit unions?
PlainCU's health composite puts ALPHA at 86/100, compared to a peer group average for $10M–$50M 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 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?
Federal credit unions like ALPHA 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. ALPHA's net worth ratio of 18.33% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALPHA offer compared to banks?
Credit unions like ALPHA 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 ALPHA 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.