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
Call Report peers
Fall River Municipal in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Fall River Municipal sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Massachusetts, SOUTHBRIDGE (#68) ties at 83/100; one place down, GREYLOCK (#70) scores 82/100, 1 point lower.
How Fall River Municipal's 5300 filing moved
Fall River Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $315.5M (2025Q4) to $315.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.42% → 9.43%).
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
Fall River Municipal gives up 17 points in total. Member Growth costs the most, 9.1 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Fall River Municipal financially healthy?
Fall River Municipal has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,337 of 4,374 nationally on health and #69 of 126 in Massachusetts. Its net worth ratio is 9.43% and its delinquency rate 0.50%.
How does Fall River Municipal compare to other credit unions?
Fall River Municipal scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.25% vs 72.20%). Its widest shortfall is net worth ratio (9.43% vs 12.11%).
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?
Fall River Municipal is a state-chartered 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. Fall River Municipal's net worth ratio of 9.43% 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.