Federal credit union · Marblehead, Massachusetts · NCUA charter #23276
Marblehead Municipal
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $12.5M
- Total assets
- 1,224
- Members
- 14.1%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.05% | 30% |
| Delinquency Rate | 0.89% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | 0.82% | 15% |
| Loan-to-Share Ratio | 81.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Marblehead Municipal
Headquartered in Marblehead, Massachusetts, Marblehead Municipal is a federal credit union with 1,224 members, $12.5M in total assets, and $8.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 91/100 (Excellent), driven in part by a net worth ratio of 14.05% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #23276 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.89% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 81.97% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.61% on net income of $76K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.82%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.05% 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 14.05% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.