Federal credit union · Danvers, Massachusetts · NCUA charter #14191
Danvers Municipal
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $8.0M
- Total assets
- 1,083
- Members
- 38.9%
- Net-worth ratio
Danvers Municipal scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.0M; members 1,083; net-worth ratio 38.91%; health rank #132 of 4,374; healthier than 95th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#132 of 4,374 health · 2025Q4Danvers Municipal · health 97/100 · $8.0M · 2025Q4
- NW 97/100
- DELQ 38.9%
- ROA 0.00%
- ASSETS 1.92%
- MEM $8.0M
- RANK 1,083
- PHOTO #132/4,374
- BOOK n/a
- CHARTER 14191
Call Report peers
Danvers Municipal carries $8.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Danvers Municipal 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
97 Top 5% higher than 95% 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
Danvers Municipal - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #14191: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Danvers Municipal: Call Report deltas vs peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +20.61 pp (84.21% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Danvers Municipal in Massachusetts
- In Massachusetts, health place is #4 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #109 of 126.
- Massachusetts membership ordinal: #105 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.
Danvers Municipal Call Report trajectory
Danvers Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $8.0M (2025Q4) to $8.1M (2026Q1).
- Net-worth ratio shifted -0.07 pp (38.98% → 38.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 38.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 14.8 pts
Danvers Municipal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 38.91% | +19.85 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.92% | +1.47 pp |
| Member Growth | 2.65% | - |
| Loan-to-Share Ratio | 84.21% | +20.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.1M | - |
| 2025Q4 | $8.0M | 1,083 |
| 2024Q4 | $7.8M | 1,055 |
| 2023Q4 | $8.1M | 1,122 |
Credit Union Details
- Charter Number
- 14191
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Danvers
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Danvers Municipal runs one office.
| Office | City |
|---|---|
| Danvers Town Hall (Main Office) | Danvers, 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.
Other-state peers near Danvers Municipal
Cross-state asset and health neighbours for Danvers Municipal - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
Using this data
- Danvers Municipal ranks #132 of 4,374 nationally on financial health and #4 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Somerville Mass Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Somerville Mass Firefighters
- 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 Danvers Municipal financially healthy?
Danvers Municipal scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #132 of 4,374; by total assets it ranks #3,670 of 4,374 nationally (same basis as /rankings/largest); and #109 of 126 within Massachusetts. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 38.91% net worth ratio and a 0.00% delinquency rate.
How does Danvers Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Danvers Municipal's 97/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Danvers Municipal?
Danvers Municipal carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Danvers Municipal directly to confirm current membership steps.
Is my money safe at Danvers Municipal?
Federal credit unions like Danvers Municipal 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. Danvers Municipal's net worth ratio of 38.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Danvers Municipal offer compared to banks?
Credit unions like Danvers Municipal 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 Danvers Municipal 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.