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
- CAMELS 82/100
- HEALTH 13.0%
- NW 1.53%
- DELQ 0.28%
- ROA $1.67B
- ASSETS 105,601
- MEM #2,427/4,374
- RANK Charter Oak
- PHOTO 24560
Call Report peers
GREYLOCK in the assets neighbourhood
GREYLOCK's $1.67B assets sit next to Charter Oak ($1.67B) 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.
GREYLOCK 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
82 43rd percentile higher than 43% 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
GREYLOCK - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24560. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GREYLOCK sits in Massachusetts
- Massachusetts health ordinal: #70 of 126.
- Massachusetts assets place: #8 of 126.
- Massachusetts membership ordinal: #7 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.
Quarter path for GREYLOCK
GREYLOCK: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $1.67B (2025Q4) to $1.71B (2026Q1).
- Net-worth ratio shifted +0.07 pp (12.91% → 12.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for GREYLOCK - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.67B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- 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 GREYLOCK financially healthy?
A 12.98% net worth ratio and a 1.53% delinquency rate feed into GREYLOCK's financial health score of 82/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,427 of 4,374; by total assets it ranks #295 of 4,374 nationally (same basis as /rankings/largest); and #8 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does GREYLOCK compare to other credit unions?
GREYLOCK scores 82/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 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?
Federal credit unions like GREYLOCK 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. GREYLOCK's net worth ratio of 12.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GREYLOCK offer compared to banks?
Credit unions like GREYLOCK 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 GREYLOCK 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.