Federal credit union · BURLINGTON, Massachusetts · NCUA charter #14865
Burlington Municipal Employees
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $10.8M
- Total assets
- 1,164
- Members
- 14.6%
- Net-worth ratio
Burlington Municipal Employees scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.8M; members 1,164; net-worth ratio 14.59%; health rank #3,069 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,069 of 4,374 health · 2025Q4Burlington Municipal · health 77/100 · $10.8M · 2025Q4
- PHOTO 77/100
- BOOK 14.6%
- CHARTER 1.49%
- NCUSIF 1.80%
- CAMELS $10.8M
- HEALTH 1,164
- NW #3,069/4,374
- DELQ Hale County Teachers
- ROA 14865
Call Report peers
Burlington Municipal Employees in the assets neighbourhood
Burlington Municipal Employees's $10.8M assets sit next to Hale County Teachers ($10.8M) 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.
Burlington Municipal Employees 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
77 28th percentile higher than 28% 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
Burlington Municipal Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14865: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Burlington Municipal Employees vs $10M–$50M peers
- Largest favorable gap: Return on Assets at 1.80% vs peer 0.70% (+1.09 pp).
- Largest lag: Loan-to-Share Ratio at 55.74% vs peer 59.80% (-4.06 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Burlington Municipal Employees sits in Massachusetts
- Massachusetts health ordinal: #93 of 126.
- Massachusetts assets place: #101 of 126.
- Massachusetts membership ordinal: #103 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.
Burlington Municipal Employees Call Report trajectory
Burlington Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $10.8M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted +0.36 pp (14.23% → 14.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 14.59% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.3 pts
- Return on Assets 15.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 12.0 pts
Burlington Municipal health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.59% | -0.27 pp |
| Delinquency Rate | 1.49% | +0.34 pp |
| Return on Assets | 1.80% | +1.09 pp |
| Member Growth | -2.92% | - |
| Loan-to-Share Ratio | 55.74% | -4.06 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.0M | - |
| 2025Q4 | $10.8M | 1,164 |
| 2024Q4 | $10.6M | 1,199 |
| 2023Q4 | $10.9M | 1,233 |
Credit Union Details
- Charter Number
- 14865
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- BURLINGTON
- Data Quarter
- 2025Q4
Branch Locations (2)
Burlington Municipal Employees operates 2 offices in Burlington, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Burlington MEFCU (Main Office) | Burlington, MA |
| Burlington MEFCU | Burlington, 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.
Cross-state Call Report peers for Burlington Municipal
Two NCUA Call Report peer sets for Burlington Municipal Employees, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Burlington Municipal Employees ranks #3,069 of 4,374 nationally on financial health and #93 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lynn Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lynn Police
- 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 Burlington Municipal Employees financially healthy?
Burlington Municipal Employees has a financial health score of 77/100 (Very 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 #3,069 of 4,374; by total assets it ranks #3,518 of 4,374 nationally (same basis as /rankings/largest); and #101 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 14.59% and delinquency rate of 1.49%.
How does Burlington Municipal Employees compare to other credit unions?
On PlainCU's health composite, Burlington Municipal Employees lands at 77/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Burlington Municipal Employees?
Burlington Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Burlington Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Burlington Municipal Employees?
Federal credit unions like Burlington Municipal Employees 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. Burlington Municipal Employees's net worth ratio of 14.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Burlington Municipal Employees offer compared to banks?
Credit unions like Burlington Municipal Employees 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 Burlington Municipal Employees 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.