Federal credit union · Chelsea, Massachusetts · NCUA charter #851
Chelsea Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $20.5M
- Total assets
- 2,154
- Members
- 8.6%
- Net-worth ratio
Chelsea Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.5M; members 2,154; net-worth ratio 8.58%; health rank #860 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#860 of 4,374 health · 2025Q4Chelsea Employees · health 92/100 · $20.5M · 2025Q4
- CAMELS 92/100
- HEALTH 8.6%
- NW 0.35%
- DELQ 0.86%
- ROA $20.5M
- ASSETS 2,154
- MEM #860/4,374
- RANK Devils Slide
- PHOTO 851
Call Report peers
Chelsea Employees in the assets neighbourhood
Chelsea Employees's $20.5M assets sit next to Devils Slide ($20.5M) 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.
Chelsea 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
92 Top 20% higher than 80% 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
Chelsea Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #851, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Chelsea Employees: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +21.21 pp (81.01% vs 59.80%).
- Net Worth Ratio trails the peer set - 8.58% here, 14.86% peer average (-6.28 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Chelsea Employees in Massachusetts
- Massachusetts health ordinal: #22 of 126.
- Massachusetts assets place: #96 of 126.
- Member book place in Massachusetts: #80 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.
Chelsea Employees: 2025Q4 → 2026Q1
Chelsea Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.1% from $20.5M (2025Q4) to $21.2M (2026Q1).
- Net-worth ratio shifted -0.19 pp (8.77% → 8.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.58% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 14.6 pts
Chelsea Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.58% | -6.28 pp |
| Delinquency Rate | 0.35% | -0.79 pp |
| Return on Assets | 0.86% | +0.15 pp |
| Member Growth | 1.65% | - |
| Loan-to-Share Ratio | 81.01% | +21.21 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).
Chelsea Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.2M | - |
| 2025Q4 | $20.5M | 2,154 |
| 2024Q4 | $19.8M | 2,119 |
| 2023Q4 | $20.7M | 2,240 |
Credit Union Details
- Charter Number
- 851
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Chelsea
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Chelsea Employees.
| Office | City |
|---|---|
| Credit Union (Main Office) | Chelsea, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Chelsea Employees nationwide neighbourhoods
Cross-state asset and health neighbours for Chelsea Employees - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($20.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Chelsea Employees ranks #860 of 4,374 nationally on financial health and #22 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lynn Firemens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lynn Firemens
- 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 Chelsea Employees financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - Chelsea Employees'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 #860 of 4,374; by total assets it ranks #3,129 of 4,374 nationally (same basis as /rankings/largest); and #96 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.58% net worth ratio and 0.35% delinquency rate are the key drivers.
How does Chelsea Employees compare to other credit unions?
PlainCU's health composite puts Chelsea Employees at 92/100, 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 Chelsea Employees?
Chelsea 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 Chelsea Employees directly for the current list of qualifying groups.
Is my money safe at Chelsea Employees?
Federal credit unions like Chelsea 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. Chelsea Employees's net worth ratio of 8.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Chelsea Employees offer compared to banks?
Credit unions like Chelsea 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 Chelsea 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.