Federal credit union · Needham, Massachusetts · NCUA charter #9071
DIRECT
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $785.9M
- Total assets
- 23,250
- Members
- 11.3%
- Net-worth ratio
DIRECT scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $785.9M; members 23,250; net-worth ratio 11.32%; health rank #4,030 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,030 of 4,374 health · 2025Q4DIRECT · health 61/100 · $785.9M · 2025Q4
- NW 61/100
- DELQ 11.3%
- ROA 0.53%
- ASSETS -0.43%
- MEM $785.9M
- RANK 23,250
- PHOTO #4,030/4,374
- BOOK La Capitol
- CHARTER 9071
Call Report peers
DIRECT in the assets neighbourhood
DIRECT's $785.9M assets sit next to La Capitol ($785.9M) 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.
DIRECT 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
61 8th percentile higher than 8% 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
DIRECT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9071: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where DIRECT diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 113.85% here, 83.90% peer average (+29.95 pp).
- Largest lag: Return on Assets at -0.43% vs peer 0.51% (-0.94 pp).
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 DIRECT
- Health composite ranks #118 of 126 among scored Massachusetts credit unions.
- Assets rank #17 of 126 inside Massachusetts ($785.9M reported).
- Massachusetts membership ordinal: #27 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.
DIRECT Call Report trajectory
DIRECT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $785.9M (2025Q4) to $789.8M (2026Q1).
- Net-worth ratio shifted -0.08 pp (11.40% → 11.32%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 61/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 0.6 pts
- Member Growth 0.7 pts
- Loan-to-Share Ratio 5.0 pts
DIRECT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.32% | +0.14 pp |
| Delinquency Rate | 0.53% | -0.34 pp |
| Return on Assets | -0.43% | -0.94 pp |
| Member Growth | -4.63% | - |
| Loan-to-Share Ratio | 113.85% | +29.95 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).
Call Report history - DIRECT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $789.8M | - |
| 2025Q4 | $785.9M | 23,250 |
| 2024Q4 | $805.4M | 24,378 |
| 2023Q4 | $835.8M | 26,008 |
Credit Union Details
- Charter Number
- 9071
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Needham
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for DIRECT, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Main Branch (Main Office) | Needham, MA |
| Wescom Resource Group | Anaheim, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for DIRECT - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($785.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
Using this data
- DIRECT ranks #4,030 of 4,374 nationally on financial health and #118 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GFA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GFA
- 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 DIRECT financially healthy?
A 11.32% net worth ratio and a 0.53% delinquency rate feed into DIRECT's financial health score of 61/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,030 of 4,374; by total assets it ranks #562 of 4,374 nationally (same basis as /rankings/largest); and #17 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does DIRECT compare to other credit unions?
On PlainCU's health composite, DIRECT lands at 61/100, compared to a peer group average for Over $500M 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 DIRECT?
DIRECT 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 DIRECT directly for the exact boundaries and application steps.
Is my money safe at DIRECT?
Federal credit unions like DIRECT 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. DIRECT's net worth ratio of 11.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does DIRECT offer compared to banks?
Credit unions like DIRECT 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 DIRECT 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.