Federal credit union · Marlborough, Massachusetts · NCUA charter #23521
DIGITAL
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $13.08B
- Total assets
- 1,159,110
- Members
- 10.5%
- Net-worth ratio
DIGITAL scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.08B; members 1,159,110; net-worth ratio 10.51%; health rank #1,686 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,686 of 4,374 health · 2025Q4DIGITAL · health 87/100 · $13.08B · 2025Q4
- BOOK 87/100
- CHARTER 10.5%
- NCUSIF 1.23%
- CAMELS 0.55%
- HEALTH $13.08B
- NW 1,159,110
- DELQ #1,686/4,374
- ROA GLOBAL
- ASSETS 23521
Call Report peers
DIGITAL in the assets neighbourhood
DIGITAL's $13.08B assets sit next to GLOBAL ($12.88B) 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.
DIGITAL 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
87 Top 40% higher than 60% 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
DIGITAL - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23521 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Peer-gap read for DIGITAL
- Largest favorable gap: Loan-to-Share Ratio at 91.82% vs peer 83.90% (+7.92 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.67 pp (10.51% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for DIGITAL
- Massachusetts health ordinal: #51 of 126.
- By total assets, DIGITAL is #1 of 126 in Massachusetts.
- Member book place in Massachusetts: #1 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.
How DIGITAL's 5300 filing moved
DIGITAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +118.4% from $13.08B (2025Q4) to $28.58B (2026Q1).
- Net-worth ratio shifted +0.82 pp (9.69% → 10.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for DIGITAL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.51% | -0.67 pp |
| Delinquency Rate | 1.23% | +0.36 pp |
| Return on Assets | 0.55% | +0.05 pp |
| Member Growth | 0.51% | - |
| Loan-to-Share Ratio | 91.82% | +7.92 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.58B | - |
| 2025Q4 | $13.08B | 1,159,110 |
| 2024Q4 | $12.64B | 1,153,182 |
| 2023Q4 | $12.08B | 1,108,918 |
Credit Union Details
- Charter Number
- 23521
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Marlborough
- Data Quarter
- 2025Q4
Branch Locations (64)
DIGITAL operates 64 offices across 50 cities, spanning 9 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| San Jose Corporate (Main Office) | San Jose, CA |
| Acton | Acton, MA |
| Alpharetta PSC | Alpharetta, GA |
| Andover | Andover, MA |
| Andover PSC | Andover, MA |
| Cedar Hills Community Experience Center | Beaverton, OR |
| Nimbus Community Experience Center | Beaverton, OR |
| Downtown Bellevue Community Experience Center | Bellevue, WA |
| Ridgepointe Community Experience Center | Bellevue, WA |
| Boulder Community Experience Center | Boulder, CO |
| Burlington | Burlington, MA |
| Colorado Springs PSC | Colorado Springs, CO |
| Corvallis Onsite Experience Center | Corvallis, OR |
| Cupertino Community Experience Center | Cupertino, CA |
| Denver Tech Community Experience Center | Denver, CO |
| Boise Community Experience Center | Eagle, ID |
| West 11th Community Experience Center | Eugene, OR |
| Fitchburg | Fitchburg, MA |
| Fort Collins Community Experience Center | Fort Collins, CO |
| Framingham | Framingham, MA |
| Franklin | Franklin, MA |
| Cornell Road Community Experience Center | Hillsboro, OR |
| Tanasbourne Community Experience Center | HIllsboro, OR |
| Hillsboro Corporate | Hillsboro, OR |
| Ronler Acres RA4 Onsite Experience Center | Hillsboro, OR |
| Hudson | Hudson, NH |
| Keizer Station Experience Center | Keizer, OR |
| Kirkland PSC | Kirkland, WA |
| Kirkland Urban Community Experience Center | Kirkland, WA |
| Leominster | Leominster, MA |
| Lexington | Lexington, MA |
| Littleton | Littleton, MA |
| Loveland PSC | Loveland, CO |
| Lowell | Lowell, MA |
| Manchester | Manchester, NH |
| Marlborough East | Marlborough, MA |
| Marlborough Solomon Pond | Marlborough, MA |
| Operations Center | Marlborough, MA |
| Merrimack | Merrimack, NH |
| Methuen | Methuen, MA |
| Nashua | Nashua, NH |
| Oakridge Community Experience Center | Oakridge, OR |
| Palo Alto Community Experience Center | Palo Alto, CA |
| Bella Bottega Experience Center | Redmond, WA |
| Studios West Onsite Experience Center | Redmond, WA |
| Rocklin Corporate | Rocklin, CA |
| Roseville Community Experience Center | Roseville, CA |
| State Street Community Experience Center | Salem, OR |
| Sammamish Community Experience Center | Sammamish, WA |
| San Diego Onsite Experience Center | San Diego, CA |
| San Jose Community Experience Center | San Jose, CA |
| Santa Rosa Community Experience Center | Santa Rosa, CA |
| Santa Rosa PSC | Santa Rosa, CA |
| Terry Avenue Community Experience Center | Seattle, WA |
| South Lake Union Community Experience Center | Seattle, WA |
| Houston Community Experience Center | Spring, TX |
| Tyngnsboro | Tyngsboro, MA |
| Vancouver Community Experience Center | Vancouver, WA |
| Waltham | Waltham, MA |
| Westborough | Westborough, MA |
| Wilsonville Community Experience Center | Wilsonville, OR |
| Worcester Gold Star | Worcester, MA |
| Worcester Shrewsbury Street | Worcester, MA |
| Worcester Crossing | Worcester, 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 DIGITAL
Two NCUA Call Report peer sets for DIGITAL, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.08B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- DIGITAL ranks #1,686 of 4,374 nationally on financial health and #51 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ROCKLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ROCKLAND
- 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 DIGITAL financially healthy?
A 10.51% net worth ratio and a 1.23% delinquency rate feed into DIGITAL's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,686 of 4,374; by total assets it ranks #18 of 4,374 nationally (same basis as /rankings/largest); and #1 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does DIGITAL compare to other credit unions?
Five weighted metrics from NCUA filings produce DIGITAL's 87/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 DIGITAL?
DIGITAL 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 DIGITAL directly for the exact boundaries and application steps.
Is my money safe at DIGITAL?
Federal credit unions like DIGITAL 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. DIGITAL's net worth ratio of 10.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DIGITAL offer compared to banks?
Credit unions like DIGITAL 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 DIGITAL 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.