Federal credit union · West Wareham, Massachusetts · NCUA charter #14850
CRANBERRY
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $61.6M
- Total assets
- 3,465
- Members
- 8.2%
- Net-worth ratio
CRANBERRY scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.6M; members 3,465; net-worth ratio 8.16%; health rank #3,559 of 4,374; healthier than 18th of scored peers.
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NCUA 5300 Call Report Masthead
#3,559 of 4,374 health · 2025Q4CRANBERRY · health 71/100 · $61.6M · 2025Q4
Call Report peers
CRANBERRY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CRANBERRY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CRANBERRY sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where CRANBERRY diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +7.93 pp (70.53% vs 62.60%).
- Largest lag: Net Worth Ratio at 8.16% vs peer 13.62% (-5.46 pp).
CRANBERRY in Massachusetts
- Health composite ranks #108 of 126 among scored Massachusetts credit unions.
- By total assets, CRANBERRY is #68 of 126 in Massachusetts.
- Massachusetts membership ordinal: #70 of 126.
- One place up in Massachusetts, I-C (#107) ties at 71/100; one place down, ATHOL (#109) scores 70/100, 1 point lower.
Quarter path for CRANBERRY
CRANBERRY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $61.6M (2025Q4) to $62.7M (2026Q1).
- Net-worth ratio shifted -0.12 pp (8.28% → 8.16%).
8.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
CRANBERRY gives up 29 points in total. Member Growth costs the most, 15 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 5.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.16% | -5.46 pp |
| Delinquency Rate | 0.41% | -0.55 pp |
| Return on Assets | 0.03% | -0.63 pp |
| Member Growth | -9.25% | - |
| Loan-to-Share Ratio | 70.53% | +7.93 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
CRANBERRY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $62.7M | - |
| 2025Q4 | $61.6M | 3,465 |
| 2024Q4 | $60.1M | 3,818 |
| 2023Q4 | $56.9M | 3,807 |
Credit Union Details
- Charter Number
- 14850
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- West Wareham
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, CRANBERRY runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Main/Corporate Office (Main Office) | West Wareham, MA |
| Fiserv | Milwaukee, WI |
| Wareham High School "Viking" Branch | Wareham, 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.
Cross-state Call Report peers for CRANBERRY
Using this data
- CRANBERRY ranks #3,559 of 4,374 nationally on financial health and #108 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHCOAST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHCOAST
Frequently Asked Questions
Is CRANBERRY financially healthy?
CRANBERRY has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,559 of 4,374 nationally on health and #108 of 126 in Massachusetts. Its net worth ratio is 8.16% and its delinquency rate 0.41%.
How does CRANBERRY compare to other credit unions?
CRANBERRY scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (70.53% vs 62.60%). Its widest shortfall is net worth ratio (8.16% vs 13.62%).
How can I join CRANBERRY?
CRANBERRY 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 CRANBERRY directly for the exact boundaries and application steps.
Is my money safe at CRANBERRY?
CRANBERRY 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. CRANBERRY's net worth ratio of 8.16% 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.