Federal credit union · BURLINGTON, Massachusetts · NCUA charter #14865
Burlington Municipal Employees
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $10.8M
- Total assets
- 1,164
- Members
- 14.2%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)65
- Earnings (ROA)100
- Member growth25
- Liquidity (loan-to-share)79
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.23% | 30% |
| Delinquency Rate | 1.49% | 25% |
| Return on Assets | 1.80% | 15% |
| Member Growth | -2.92% | 15% |
| Loan-to-Share Ratio | 55.74% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Burlington Municipal Employees
Headquartered in BURLINGTON, Massachusetts, Burlington Municipal Employees is a federal credit union with 1,164 members, $10.8M in total assets, and $5.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 77/100 (Very Good), driven in part by a net worth ratio of 14.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #14865 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 1.49% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Meanwhile a 55.74% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.80% on net income of $194K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.92%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Multiple Common Bond) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.23% 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 14.23% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.