Federal credit union · Marblehead, Massachusetts · NCUA charter #23276
Marblehead Municipal
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $12.5M
- Total assets
- 1,224
- Members
- 16.1%
- Net-worth ratio
Marblehead Municipal scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.5M; members 1,224; net-worth ratio 16.05%; health rank #901 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#901 of 4,374 health · 2025Q4Marblehead Municipal · health 91/100 · $12.5M · 2025Q4
- ROA 91/100
- ASSETS 16.1%
- MEM 0.89%
- RANK 0.61%
- PHOTO $12.5M
- BOOK 1,224
- CHARTER #901/4,374
- NCUSIF Snake River
- CAMELS 23276
Call Report peers
Marblehead Municipal in the assets neighbourhood
Marblehead Municipal's $12.5M assets sit next to Snake River ($12.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Marblehead Municipal vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% 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
Marblehead Municipal - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23276, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Marblehead Municipal: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 81.97% vs peer 59.80% (+22.17 pp).
- Largest lag: Return on Assets at 0.61% vs peer 0.70% (-0.10 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Marblehead Municipal in Massachusetts
- In Massachusetts, health place is #23 of 126 on the same NCUA-ratio sort used nationally.
- Assets rank #100 of 126 inside Massachusetts ($12.5M reported).
- Member book place in Massachusetts: #101 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Marblehead Municipal's 5300 filing moved
Marblehead Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $12.5M (2025Q4) to $12.9M (2026Q1).
- Net-worth ratio shifted -0.30 pp (16.35% → 16.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.1 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Marblehead Municipal
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.05% | +1.19 pp |
| Delinquency Rate | 0.89% | -0.26 pp |
| Return on Assets | 0.61% | -0.10 pp |
| Member Growth | 0.82% | - |
| Loan-to-Share Ratio | 81.97% | +22.17 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Marblehead Municipal quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.9M | - |
| 2025Q4 | $12.5M | 1,224 |
| 2024Q4 | $11.9M | 1,214 |
| 2023Q4 | $11.2M | 1,209 |
Credit Union Details
- Charter Number
- 23276
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Marblehead
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Marblehead Municipal.
| Office | City |
|---|---|
| 7 Widger Rd (Main Office) | Marblehead, 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.
Marblehead Municipal nationwide neighbourhoods
Cross-state asset and health neighbours for Marblehead Municipal - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Marblehead Municipal ranks #901 of 4,374 nationally on financial health and #23 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cambridge Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cambridge Firefighters
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Marblehead Municipal financially healthy?
Marblehead Municipal has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #901 of 4,374; by total assets it ranks #3,428 of 4,374 nationally (same basis as /rankings/largest); and #100 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.05% and delinquency rate of 0.89%.
How does Marblehead Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Marblehead Municipal's 91/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Marblehead Municipal?
Marblehead Municipal 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 Marblehead Municipal directly for the current list of qualifying groups.
Is my money safe at Marblehead Municipal?
Federal credit unions like Marblehead Municipal 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. Marblehead Municipal's net worth ratio of 16.05% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Marblehead Municipal offer compared to banks?
Credit unions like Marblehead Municipal 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 Marblehead Municipal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.