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
- PHOTO 89/100
- BOOK 9.7%
- CHARTER 0.38%
- NCUSIF 0.15%
- CAMELS $97.0M
- HEALTH 4,827
- NW #1,323/4,374
- DELQ Broward Healthcare
- ROA 17847
Call Report peers
Common Trust in the assets neighbourhood
Common Trust's $97.0M assets sit next to Broward Healthcare ($96.9M) 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.
Common Trust 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #17847: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Common Trust
Common Trust: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $97.0M (2025Q4) to $98.1M (2026Q1).
- Net-worth ratio shifted -0.11 pp (9.79% → 9.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Common Trust's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($97.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- 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 Common Trust financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Common Trust carries a financial health score of 89/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,323 of 4,374; by total assets it ranks #1,847 of 4,374 nationally (same basis as /rankings/largest); and #61 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.68% net worth ratio and a 0.38% delinquency rate.
How does Common Trust compare to other credit unions?
On PlainCU's health composite, Common Trust lands at 89/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Common Trust 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. Common Trust's net worth ratio of 9.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Common Trust offer compared to banks?
Credit unions like Common Trust 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 Common Trust 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.