Federal credit union · Pittsfield, Massachusetts · NCUA charter #24560
GREYLOCK
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.67B
- Total assets
- 105,601
- Members
- 13.0%
- Net-worth ratio
GREYLOCK scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.67B; members 105,601; net-worth ratio 12.98%; health rank #2,427 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,427 of 4,374 health · 2025Q4GREYLOCK · health 82/100 · $1.67B · 2025Q4
Call Report peers
GREYLOCK in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GREYLOCK vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GREYLOCK sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GREYLOCK: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 94.10% vs peer 83.90% (+10.20 pp).
- Largest lag: Delinquency Rate at 1.53% vs peer 0.87% (+0.66 pp).
Where GREYLOCK sits in Massachusetts
- Massachusetts health ordinal: #70 of 126.
- Massachusetts assets place: #8 of 126.
- Massachusetts membership ordinal: #7 of 126.
- One place up in Massachusetts, Fall River Municipal (#69) scores 83/100, 1 point higher; one place down, TAUNTON (#71) ties at 82/100.
Quarter path for GREYLOCK
GREYLOCK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $1.67B (2025Q4) to $1.71B (2026Q1).
- Net-worth ratio shifted +0.07 pp (12.91% → 12.98%).
At 12.98%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
GREYLOCK gives up 18 points in total. Delinquency Rate costs the most, 9 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.0 pts
- Return on Assets 11.8 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 13.4 pts
GREYLOCK vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.98% | +1.80 pp |
| Delinquency Rate | 1.53% | +0.66 pp |
| Return on Assets | 0.28% | -0.22 pp |
| Member Growth | 1.49% | - |
| Loan-to-Share Ratio | 94.10% | +10.20 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - GREYLOCK
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.71B | - |
| 2025Q4 | $1.67B | 105,601 |
| 2024Q4 | $1.61B | 104,052 |
| 2023Q4 | $1.61B | 101,343 |
Credit Union Details
- Charter Number
- 24560
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Pittsfield
- Data Quarter
- 2025Q4
Branch Locations (12)
GREYLOCK operates 12 offices across 8 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| West Street (Main Office) | Pittsfield, MA |
| Adams | Adams, MA |
| Gt. Barrington (Main) Office | Great Barrington, MA |
| Greenport/Hudson | Hudson, NY |
| Lee Office | Lee, MA |
| Lenox | Lenox, MA |
| Ashland Street | North Adams, MA |
| Elm Street | Pittsfield, MA |
| Kellogg Street | Pittsfield, MA |
| Lanesborough | Pittsfield, MA |
| Allendale | Pittsfield, MA |
| Williamstown | Williamstown, 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.
Other-state peers near GREYLOCK
Similar total assets
Similar health score
Using this data
- GREYLOCK ranks #2,427 of 4,374 nationally on financial health and #70 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Webster First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Webster First
Frequently Asked Questions
Is GREYLOCK financially healthy?
GREYLOCK has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,427 of 4,374 nationally on health and #70 of 126 in Massachusetts. Its net worth ratio is 12.98% and its delinquency rate 1.53%.
How does GREYLOCK compare to other credit unions?
GREYLOCK scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.10% vs 83.90%). Its widest shortfall is delinquency rate (1.53% vs 0.87%).
How can I join GREYLOCK?
GREYLOCK 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 GREYLOCK directly for the exact boundaries and application steps.
Is my money safe at GREYLOCK?
GREYLOCK is a federal 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. GREYLOCK's net worth ratio of 12.98% 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.