Federal credit union · SOMERVILLE, Massachusetts · NCUA charter #17679
Health Alliance
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $5.8M
- Total assets
- 1,229
- Members
- 15.4%
- Net-worth ratio
Health Alliance scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.8M; members 1,229; net-worth ratio 15.38%; health rank #3,063 of 4,374; healthier than 28th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,063 of 4,374 health · 2025Q4Health Alliance · health 77/100 · $5.8M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Health Alliance vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Health Alliance sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Peer-gap read for Health Alliance
- Largest favorable gap: Loan-to-Share Ratio at 82.27% vs peer 63.60% (+18.67 pp).
- Net Worth Ratio trails the peer set - 15.38% here, 19.06% peer average (-3.68 pp).
Health Alliance in Massachusetts
- Massachusetts health ordinal: #92 of 126.
- Assets rank #112 of 126 inside Massachusetts ($5.8M reported).
- Membership ranks #100 of 126 among Massachusetts CUs with a reported count (1,229 members).
- One place up in Massachusetts, Massachusetts Family (#91) ties at 77/100; one place down, Burlington Municipal Employees (#93) ties at 77/100.
Quarter path for Health Alliance
Health Alliance: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.6% from $5.8M (2025Q4) to $6.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (15.55% → 15.38%).
This credit union's 15.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Health Alliance gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Health Alliance vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.38% | -3.68 pp |
| Delinquency Rate | 1.43% | -0.38 pp |
| Return on Assets | 2.03% | +1.57 pp |
| Member Growth | -10.81% | - |
| Loan-to-Share Ratio | 82.27% | +18.67 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Health Alliance filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.1M | - |
| 2025Q4 | $5.8M | 1,229 |
| 2024Q4 | $5.9M | 1,378 |
| 2023Q4 | $5.8M | 1,351 |
Credit Union Details
- Charter Number
- 17679
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- SOMERVILLE
- Data Quarter
- 2025Q4
Branch Location
Health Alliance operates a single office in Somerville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Health Alliance Federal Credit Union (Main Office) | Somerville, 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.
Health Alliance nationwide neighbourhoods
Similar health score
Using this data
- Health Alliance ranks #3,063 of 4,374 nationally on financial health and #92 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Norwood Town Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Norwood Town Employees
Frequently Asked Questions
Is Health Alliance financially healthy?
Health Alliance has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,063 of 4,374 nationally on health and #92 of 126 in Massachusetts. Its net worth ratio is 15.38% and its delinquency rate 1.43%.
How does Health Alliance compare to other credit unions?
Health Alliance scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (82.27% vs 63.60%). Its widest shortfall is net worth ratio (15.38% vs 19.06%).
How can I join Health Alliance?
Health Alliance 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 Health Alliance directly for the exact boundaries and application steps.
Is my money safe at Health Alliance?
Health Alliance 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. Health Alliance's net worth ratio of 15.38% 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.