State credit union · SPRINGFIELD, Massachusetts · NCUA charter #67902
Greater Springfield
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $226.8M
- Total assets
- 10,961
- Members
- 19.5%
- Net-worth ratio
Greater Springfield scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $226.8M; members 10,961; net-worth ratio 19.52%; health rank #571 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#571 of 4,374 health · 2025Q4Greater Springfield · health 93/100 · $226.8M · 2025Q4
- NW 93/100
- DELQ 19.5%
- ROA 0.56%
- ASSETS 1.08%
- MEM $226.8M
- RANK 10,961
- PHOTO #571/4,374
- BOOK CAL-COM
- CHARTER 67902
Call Report peers
Greater Springfield in the assets neighbourhood
Greater Springfield's $226.8M assets sit next to CAL-COM ($225.3M) 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.
Greater Springfield 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
93 Top 16% higher than 84% 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
Greater Springfield - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67902 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Greater Springfield: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +7.41 pp (19.52% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 59.83% here, 72.20% peer average (-12.37 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greater Springfield: in-state Call Report ranks
- Massachusetts health ordinal: #15 of 126.
- By total assets, Greater Springfield is #43 of 126 in Massachusetts.
- Membership ranks #43 of 126 among Massachusetts CUs with a reported count (10,961 members).
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 Greater Springfield's 5300 filing moved
Greater Springfield: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $226.8M (2025Q4) to $227.8M (2026Q1).
- Net-worth ratio shifted +0.39 pp (19.13% → 19.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
19.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 12.5 pts
Greater Springfield vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.52% | +7.41 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | 1.08% | +0.46 pp |
| Member Growth | 1.73% | - |
| Loan-to-Share Ratio | 59.83% | -12.37 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).
Greater Springfield filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $227.8M | - |
| 2025Q4 | $226.8M | 10,961 |
| 2024Q4 | $233.4M | 10,775 |
| 2023Q4 | $232.3M | 10,863 |
Credit Union Details
- Charter Number
- 67902
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
Greater Springfield operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Springfield, MA |
| Branch | East Longmeadow, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Greater Springfield
Two NCUA Call Report peer sets for Greater Springfield, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($226.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Greater Springfield ranks #571 of 4,374 nationally on financial health and #15 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHBRIDGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHBRIDGE
- 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 Greater Springfield financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Greater Springfield carries a financial health score of 93/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #571 of 4,374; by total assets it ranks #1,202 of 4,374 nationally (same basis as /rankings/largest); and #43 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.52% net worth ratio and a 0.56% delinquency rate.
How does Greater Springfield compare to other credit unions?
On PlainCU's health composite, Greater Springfield lands at 93/100, 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 Greater Springfield?
Membership eligibility for Greater Springfield depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greater Springfield directly for current membership requirements and application steps.
Is my money safe at Greater Springfield?
Federal credit unions like Greater Springfield 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. Greater Springfield's net worth ratio of 19.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Springfield offer compared to banks?
Credit unions like Greater Springfield 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 Greater Springfield 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.