Federal credit union · FITCHBURG, Massachusetts · NCUA charter #24250
I-C
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $548.0M
- Total assets
- 36,634
- Members
- 9.2%
- Net-worth ratio
I-C scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $548.0M; members 36,634; net-worth ratio 9.18%; health rank #3,549 of 4,374; healthier than 18th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,549 of 4,374 health · 2025Q4I-C · health 71/100 · $548.0M · 2025Q4
Call Report peers
I-C in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
I-C vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); I-C sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
I-C vs Over $500M peers
- Largest lag: Return on Assets at -2.30% vs peer 0.51% (-2.81 pp).
I-C: in-state Call Report ranks
- Massachusetts health ordinal: #107 of 126.
- Massachusetts assets place: #27 of 126.
- Membership ranks #19 of 126 among Massachusetts CUs with a reported count (36,634 members).
- One place up in Massachusetts, New England Teamsters (#106) ties at 71/100; one place down, CRANBERRY (#108) ties at 71/100.
Quarter path for I-C
I-C: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $548.0M (2025Q4) to $547.3M (2026Q1).
- Net-worth ratio shifted -0.14 pp (9.32% → 9.18%).
9.18% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
I-C gives up 29 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 28.0 pts
- Delinquency Rate 16.8 pts
- Return on Assets 0.0 pts
- Member Growth 11.0 pts
- Loan-to-Share Ratio 15.2 pts
I-C health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.18% | -2.00 pp |
| Delinquency Rate | 1.43% | +0.56 pp |
| Return on Assets | -2.30% | -2.81 pp |
| Member Growth | 1.66% | - |
| Loan-to-Share Ratio | 82.77% | -1.13 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
I-C quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $547.3M | - |
| 2025Q4 | $548.0M | 36,634 |
| 2024Q4 | $563.4M | 36,037 |
| 2023Q4 | $618.8M | 37,185 |
Credit Union Details
- Charter Number
- 24250
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- FITCHBURG
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, I-C runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fitchburg, MA |
| Ayer | Ayer, MA |
| Electric Ave | Fitchburg, MA |
| Mechanic Street | Leominster, MA |
| Westminster | Westminster, MA |
| Worcester | Worcester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Cross-state Call Report peers for I-C
Using this data
- I-C ranks #3,549 of 4,374 nationally on financial health and #107 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- City of Boston is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with City of Boston
Frequently Asked Questions
Is I-C financially healthy?
On its 2025Q4 NCUA 5300 filing, I-C scores 71/100 (Very Good), with a 9.18% net worth ratio and 1.43% of loans delinquent. It ranks #3,549 of 4,374 nationally on health and #107 of 126 in Massachusetts.
How does I-C compare to other credit unions?
I-C scores 71/100, higher than 18% of the 4,374 scored credit unions. Its widest shortfall is return on assets (-2.30% vs 0.51%).
How can I join I-C?
I-C 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 I-C directly for the exact boundaries and application steps.
Is my money safe at I-C?
I-C 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. I-C's net worth ratio of 9.18% 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.