Federal credit union · ARLINGTON, Massachusetts · NCUA charter #9805
Arlington Municipal
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $9.4M
- Total assets
- 919
- Members
- 29.2%
- Net-worth ratio
Arlington Municipal scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.4M; members 919; net-worth ratio 29.23%; health rank #3,224 of 4,374; healthier than 24th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,224 of 4,374 health · 2025Q4Arlington Municipal · health 75/100 · $9.4M · 2025Q4
- NW 75/100
- DELQ 29.2%
- ROA 1.49%
- ASSETS 1.61%
- MEM $9.4M
- RANK 919
- PHOTO #3,224/4,374
- BOOK n/a
- CHARTER 9805
Call Report peers
Arlington Municipal carries $9.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Arlington Municipal 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
75 24th percentile higher than 24% 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
Arlington Municipal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #9805. See our deposit-insurance coverage note.
Peer-gap read for Arlington Municipal
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +48.51 pp (112.11% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Arlington Municipal in Massachusetts
- Massachusetts health ordinal: #97 of 126.
- Massachusetts assets place: #106 of 126.
- Member book place in Massachusetts: #108 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.
Arlington Municipal Call Report trajectory
Arlington Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $9.4M (2025Q4) to $9.7M (2026Q1).
- Net-worth ratio shifted -0.53 pp (29.76% → 29.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
29.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.3 pts
- Return on Assets 15.0 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 6.3 pts
Call Report ratios for Arlington Municipal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 29.23% | +10.17 pp |
| Delinquency Rate | 1.49% | -0.32 pp |
| Return on Assets | 1.61% | +1.15 pp |
| Member Growth | -0.86% | - |
| Loan-to-Share Ratio | 112.11% | +48.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Arlington Municipal
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.7M | - |
| 2025Q4 | $9.4M | 919 |
| 2024Q4 | $9.6M | 927 |
| 2023Q4 | $9.9M | 918 |
Credit Union Details
- Charter Number
- 9805
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- ARLINGTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Arlington Municipal operates 2 offices in Arlington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Arlington Municipal Federal Credit Union (Main Office) | Arlington, MA |
| Arlington Municipal Federal Credit Union | Arlington, MA |
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.
Arlington Municipal nationwide neighbourhoods
Two NCUA Call Report peer sets for Arlington Municipal, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- Arlington Municipal ranks #3,224 of 4,374 nationally on financial health and #97 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dedham Town Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dedham Town Employees
- 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 Arlington Municipal financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Arlington Municipal's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,224 of 4,374; by total assets it ranks #3,588 of 4,374 nationally (same basis as /rankings/largest); and #106 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 29.23% net worth ratio and 1.49% delinquency rate are the key drivers.
How does Arlington Municipal compare to other credit unions?
75/100 is Arlington Municipal's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Arlington Municipal?
Arlington Municipal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Arlington Municipal directly to confirm current membership steps.
Is my money safe at Arlington Municipal?
Federal credit unions like Arlington Municipal 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. Arlington Municipal's net worth ratio of 29.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arlington Municipal offer compared to banks?
Credit unions like Arlington Municipal 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 Arlington Municipal 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.