Federal credit union · Hanscom AFB, Massachusetts · NCUA charter #9095
Hanscom
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $2.21B
- Total assets
- 105,804
- Members
- 9.9%
- Net-worth ratio
Hanscom - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #9095: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Hanscom - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)99
- Asset quality (delinquency)90
- Earnings (ROA)60
- Member growth86
- Liquidity (loan-to-share)100
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.87% | 30% |
| Delinquency Rate | 0.74% | 25% |
| Return on Assets | 0.10% | 15% |
| Member Growth | 3.24% | 15% |
| Loan-to-Share Ratio | 84.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.21B | 105,804 |
| 2024Q4 | $1.82B | 102,487 |
| 2023Q4 | $1.83B | 99,369 |
Credit Union Details
- Charter Number
- 9095
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Hanscom AFB
- Data Quarter
- 2025Q4
What This Data Says About Hanscom
Headquartered in Hanscom AFB, Massachusetts, Hanscom is a federal credit union with 105,804 members, $2.21B in total assets, and $1.64B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 89/100 (Excellent), driven in part by a net worth ratio of 9.87% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #9095 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 0.74% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 84.38% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.10% on net income of $2.3M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.24%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hanscom financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Hanscom's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.87% net worth ratio and 0.74% delinquency rate are the key drivers.
How does Hanscom compare to other credit unions?
89/100 is Hanscom's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Hanscom?
Hanscom serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Hanscom directly for the current list of qualifying groups.
Is my money safe at Hanscom?
Federal credit unions like Hanscom 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. Hanscom's net worth ratio of 9.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hanscom offer compared to banks?
Credit unions like Hanscom 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 Hanscom directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.