Federal credit union · Malden, Massachusetts · NCUA charter #4472
MALDEN
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $29.0M
- Total assets
- 1,554
- Members
- 17.1%
- Net-worth ratio
MALDEN scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.0M; members 1,554; net-worth ratio 17.05%; health rank #1,580 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,580 of 4,374 health · 2025Q4MALDEN · health 87/100 · $29.0M · 2025Q4
Call Report peers
MALDEN in the assets neighbourhood
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MALDEN vs every NCUA-scored credit union
MALDEN sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Where MALDEN diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.19 pp (17.05% vs 14.86%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.48 pp (51.32% vs 59.80%).
Massachusetts standing for MALDEN
- Massachusetts health ordinal: #47 of 126.
- Assets rank #83 of 126 inside Massachusetts ($29.0M reported).
- Membership ranks #91 of 126 among Massachusetts CUs with a reported count (1,554 members).
- One place up in Massachusetts, Somerville Municipal (#46) ties at 87/100; one place down, 600 Atlantic (#48) ties at 87/100.
How MALDEN's 5300 filing moved
MALDEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $29.0M (2025Q4) to $28.9M (2026Q1).
- Net-worth ratio shifted +0.13 pp (16.92% → 17.05%).
This credit union's 17.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
MALDEN gives up 13 points in total. Member Growth costs the most, 8.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 11.2 pts
MALDEN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.05% | +2.19 pp |
| Delinquency Rate | 0.04% | -1.10 pp |
| Return on Assets | 0.44% | -0.27 pp |
| Member Growth | -1.27% | - |
| Loan-to-Share Ratio | 51.32% | -8.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
MALDEN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.9M | - |
| 2025Q4 | $29.0M | 1,554 |
| 2024Q4 | $27.7M | 1,574 |
| 2023Q4 | $27.4M | 1,617 |
Credit Union Details
- Charter Number
- 4472
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Malden
- Data Quarter
- 2025Q4
Branch Location
MALDEN operates a single office in Malden, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Malden, 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.
MALDEN nationwide neighbourhoods
Using this data
- MALDEN ranks #1,580 of 4,374 nationally on financial health and #47 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Taupa Lithuanian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Taupa Lithuanian
Frequently Asked Questions
Is MALDEN financially healthy?
MALDEN has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,580 of 4,374 nationally on health and #47 of 126 in Massachusetts. Its net worth ratio is 17.05% and its delinquency rate 0.04%.
How does MALDEN compare to other credit unions?
MALDEN scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.05% vs 14.86%). Its widest shortfall is loan-to-share ratio (51.32% vs 59.80%).
How can I join MALDEN?
MALDEN 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 MALDEN directly for the current list of qualifying groups.
Is my money safe at MALDEN?
MALDEN 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. MALDEN's net worth ratio of 17.05% 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.