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
Call Report peers
DIGITAL in the assets neighbourhood
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
DIGITAL sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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.
- One place up in Massachusetts, New Bedford (#50) ties at 87/100; one place down, MILLBURY (#52) ties at 87/100.
How DIGITAL's 5300 filing moved
DIGITAL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +118.4% from $13.08B (2025Q4) to $28.58B (2026Q1).
- Net-worth ratio shifted +0.82 pp (9.69% → 10.51%).
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
DIGITAL gives up 13 points in total. Delinquency Rate costs the most, 6.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is DIGITAL financially healthy?
DIGITAL has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,686 of 4,374 nationally on health and #51 of 126 in Massachusetts. Its net worth ratio is 10.51% and its delinquency rate 1.23%.
How does DIGITAL compare to other credit unions?
DIGITAL scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.82% vs 83.90%). Its widest shortfall is net worth ratio (10.51% vs 11.18%).
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?
DIGITAL 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. DIGITAL's net worth ratio of 10.51% 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.