Federal credit union · Woburn, Massachusetts · NCUA charter #17847
Common Trust
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $97.0M
- Total assets
- 4,827
- Members
- 9.7%
- Net-worth ratio
Common Trust scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.0M; members 4,827; net-worth ratio 9.68%; health rank #1,323 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,323 of 4,374 health · 2025Q4Common Trust · health 89/100 · $97.0M · 2025Q4
Call Report peers
Common Trust in the assets neighbourhood
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Common Trust vs every NCUA-scored credit union
Common Trust sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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
Common Trust vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.58 pp (0.38% vs 0.96%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.22 pp (45.38% vs 62.60%).
Where Common Trust sits in Massachusetts
- In Massachusetts, health place is #37 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, Common Trust is #61 of 126 in Massachusetts.
- Membership ranks #63 of 126 among Massachusetts CUs with a reported count (4,827 members).
- One place up in Massachusetts, METHUEN (#36) ties at 89/100; one place down, St. Anne's (#38) ties at 89/100.
Quarter path for Common Trust
Common Trust: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $97.0M (2025Q4) to $98.1M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.79% → 9.68%).
At 9.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Common Trust gives up 11 points in total. Return on Assets costs the most, 5.2 of its 15; Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.0 pts
Common Trust health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.68% | -3.94 pp |
| Delinquency Rate | 0.38% | -0.58 pp |
| Return on Assets | 0.15% | -0.50 pp |
| Member Growth | 42.10% | - |
| Loan-to-Share Ratio | 45.38% | -17.22 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Common Trust
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.1M | - |
| 2025Q4 | $97.0M | 4,827 |
| 2024Q4 | $55.7M | 3,397 |
| 2023Q4 | $55.8M | 3,478 |
Credit Union Details
- Charter Number
- 17847
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Woburn
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Common Trust, spread across 4 cities.
| Office | City |
|---|---|
| Common Trust FCU (Main Office) | Woburn, MA |
| Bedford VA Branch | Bedford, MA |
| Lexington Branch | Lexington, MA |
| Wellesley Branch | Wellesley, 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.
Cross-state Call Report peers for Common Trust
Similar total assets
Similar health score
Using this data
- Common Trust ranks #1,323 of 4,374 nationally on financial health and #37 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ATHOL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ATHOL
Frequently Asked Questions
Is Common Trust financially healthy?
On its 2025Q4 NCUA 5300 filing, Common Trust scores 89/100 (Excellent), with a 9.68% net worth ratio and 0.38% of loans delinquent. It ranks #1,323 of 4,374 nationally on health and #37 of 126 in Massachusetts.
How does Common Trust compare to other credit unions?
Common Trust scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.38% vs 0.96%). Its widest shortfall is loan-to-share ratio (45.38% vs 62.60%).
How can I join Common Trust?
Common Trust operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Common Trust directly for the exact boundaries and application steps.
Is my money safe at Common Trust?
Common Trust 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. Common Trust's net worth ratio of 9.68% 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.