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
Call Report peers
Chelsea Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Chelsea Employees sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
Chelsea Employees in Massachusetts
- Massachusetts health ordinal: #22 of 126.
- Massachusetts assets place: #96 of 126.
- Member book place in Massachusetts: #80 of 126.
- One place up in Massachusetts, HOLYOKE (#21) ties at 92/100; one place down, Marblehead Municipal (#23) scores 91/100, 1 point lower.
Chelsea Employees: 2025Q4 → 2026Q1
Chelsea Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $20.5M (2025Q4) to $21.2M (2026Q1).
- Net-worth ratio shifted -0.19 pp (8.77% → 8.58%).
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
Chelsea Employees gives up 8 points in total. Member Growth costs the most, 4 of its 15; Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Chelsea Employees financially healthy?
Chelsea Employees has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #860 of 4,374 nationally on health and #22 of 126 in Massachusetts. Its net worth ratio is 8.58% and its delinquency rate 0.35%.
How does Chelsea Employees compare to other credit unions?
Chelsea Employees scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.01% vs 59.80%). Its widest shortfall is net worth ratio (8.58% vs 14.86%).
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?
Chelsea Employees is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.