State credit union · Holyoke, Massachusetts · NCUA charter #67875
HOLYOKE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $297.2M
- Total assets
- 21,292
- Members
- 8.9%
- Net-worth ratio
HOLYOKE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $297.2M; members 21,292; net-worth ratio 8.94%; health rank #855 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#855 of 4,374 health · 2025Q4HOLYOKE · health 92/100 · $297.2M · 2025Q4
Call Report peers
HOLYOKE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HOLYOKE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HOLYOKE sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HOLYOKE: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.85 pp (80.05% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.94% vs peer 12.11% (-3.17 pp).
Massachusetts standing for HOLYOKE
- In Massachusetts, health place is #21 of 126 on the same NCUA-ratio sort used nationally.
- Assets rank #36 of 126 inside Massachusetts ($297.2M reported).
- Massachusetts membership ordinal: #29 of 126.
- One place up in Massachusetts, ROCKLAND (#20) ties at 92/100; one place down, Chelsea Employees (#22) ties at 92/100.
HOLYOKE: 2025Q4 → 2026Q1
HOLYOKE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $297.2M (2025Q4) to $299.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (8.90% → 8.94%).
At 8.94%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
HOLYOKE gives up 8 points in total. Return on Assets costs the most, 4.9 of its 15; Delinquency Rate and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 27.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.1 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
HOLYOKE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.94% | -3.17 pp |
| Delinquency Rate | 0.39% | -0.50 pp |
| Return on Assets | 0.17% | -0.45 pp |
| Member Growth | 5.87% | - |
| Loan-to-Share Ratio | 80.05% | +7.85 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $299.4M | - |
| 2025Q4 | $297.2M | 21,292 |
| 2024Q4 | $290.4M | 20,111 |
| 2023Q4 | $268.8M | 22,996 |
Credit Union Details
- Charter Number
- 67875
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Holyoke
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, HOLYOKE runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Holyoke Office (Main Office) | Holyoke, MA |
| Agawam Office | Feeding Hills, MA |
| West Springfield Office | West Springfield, 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 HOLYOKE
Using this data
- HOLYOKE ranks #855 of 4,374 nationally on financial health and #21 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLTRUST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLTRUST
Frequently Asked Questions
Is HOLYOKE financially healthy?
On its 2025Q4 NCUA 5300 filing, HOLYOKE scores 92/100 (Excellent), with a 8.94% net worth ratio and 0.39% of loans delinquent. It ranks #855 of 4,374 nationally on health and #21 of 126 in Massachusetts.
How does HOLYOKE compare to other credit unions?
HOLYOKE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.05% vs 72.20%). Its widest shortfall is net worth ratio (8.94% vs 12.11%).
How can I join HOLYOKE?
Membership eligibility for HOLYOKE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HOLYOKE directly for current membership requirements and application steps.
Is my money safe at HOLYOKE?
HOLYOKE is a state-chartered 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. HOLYOKE's net worth ratio of 8.94% 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.