State credit union · Fall River, Massachusetts · NCUA charter #67894
Fall River Municipal
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $315.5M
- Total assets
- 13,089
- Members
- 9.4%
- Net-worth ratio
Fall River Municipal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67894. See our deposit-insurance coverage note.
Fall River Municipal - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)100
- Earnings (ROA)54
- Member growth39
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.38%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.38% | 30% |
| Delinquency Rate | 0.50% | 25% |
| Return on Assets | 0.08% | 15% |
| Member Growth | -1.74% | 15% |
| Loan-to-Share Ratio | 81.25% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $315.5M | 13,089 |
| 2024Q4 | $296.9M | 13,321 |
| 2023Q4 | $282.3M | 13,643 |
Credit Union Details
- Charter Number
- 67894
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Fall River
- Data Quarter
- 2025Q4
What This Data Says About Fall River Municipal
Fall River Municipal is a state credit union headquartered in Fall River, Massachusetts, serving 13,089 members with $315.5M in total assets and $188.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 82/100 (Excellent), anchored by a net worth ratio of 9.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67894 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.50% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 81.25% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.08% on net income of $258K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.74%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Fall River Municipal financially healthy?
Fall River Municipal has a financial health score of 82/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.38% and delinquency rate of 0.50%.
How does Fall River Municipal compare to other credit unions?
On PlainCU's health composite, Fall River Municipal lands at 82/100, compared to a peer group average for $100M–$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 Fall River Municipal?
Membership eligibility for Fall River Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fall River Municipal directly for current membership requirements and application steps.
Is my money safe at Fall River Municipal?
Federal credit unions like Fall River 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. Fall River Municipal's net worth ratio of 9.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Fall River Municipal offer compared to banks?
Credit unions like Fall River 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 Fall River Municipal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.