State credit union · Fall River, Massachusetts · NCUA charter #67894
Fall River Municipal
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $315.5M
- Total assets
- 13,089
- Members
- 9.4%
- Net-worth ratio
Fall River Municipal scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $315.5M; members 13,089; net-worth ratio 9.43%; health rank #2,337 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,337 of 4,374 health · 2025Q4Fall River Municipal · health 83/100 · $315.5M · 2025Q4
- CHARTER 83/100
- NCUSIF 9.4%
- CAMELS 0.50%
- HEALTH 0.08%
- NW $315.5M
- DELQ 13,089
- ROA #2,337/4,374
- ASSETS Northwest Plus
- MEM 67894
Call Report peers
Fall River Municipal in the assets neighbourhood
Fall River Municipal's $315.5M assets sit next to Northwest Plus ($314.7M) 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.
Fall River 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
83 46th percentile higher than 46% 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
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: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +9.05 pp (81.25% vs 72.20%).
- Net Worth Ratio trails the peer set - 9.43% here, 12.11% peer average (-2.68 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Fall River Municipal in Massachusetts
- Health composite ranks #69 of 126 among scored Massachusetts credit unions.
- By total assets, Fall River Municipal is #35 of 126 in Massachusetts.
- Member book place in Massachusetts: #35 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 Fall River Municipal's 5300 filing moved
Fall River Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $315.5M (2025Q4) to $315.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.42% → 9.43%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 8.2 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Fall River Municipal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.43% | -2.68 pp |
| Delinquency Rate | 0.50% | -0.40 pp |
| Return on Assets | 0.08% | -0.54 pp |
| Member Growth | -1.74% | - |
| Loan-to-Share Ratio | 81.25% | +9.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $315.1M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Fall River Municipal runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fall River, MA |
| Assonet branch | Assonet, MA |
| Robeson Office | Fall River, MA |
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.
Cross-state Call Report peers for Fall River Municipal
Fall River Municipal's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($315.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Fall River Municipal ranks #2,337 of 4,374 nationally on financial health and #69 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MASSMUTUAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MASSMUTUAL
- 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 Fall River Municipal financially healthy?
Fall River Municipal has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,337 of 4,374; by total assets it ranks #1,010 of 4,374 nationally (same basis as /rankings/largest); and #35 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.43% 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 83/100, 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 9.43% 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.
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.