State credit union · SOUTH BOSTON, Massachusetts · NCUA charter #68137
Mass Bay
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $362.4M
- Total assets
- 17,626
- Members
- 11.3%
- Net-worth ratio
Mass Bay scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $362.4M; members 17,626; net-worth ratio 11.26%; health rank #3,347 of 4,374; healthier than 23rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,347 of 4,374 health · 2025Q4Mass Bay · health 74/100 · $362.4M · 2025Q4
- BOOK 74/100
- CHARTER 11.3%
- NCUSIF 0.78%
- CAMELS 0.47%
- HEALTH $362.4M
- NW 17,626
- DELQ #3,347/4,374
- ROA Mutual Security
- ASSETS 68137
Call Report peers
Mass Bay in the assets neighbourhood
Mass Bay's $362.4M assets sit next to Mutual Security ($362.5M) 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.
Mass Bay 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
74 23rd percentile higher than 23% 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
Mass Bay - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68137: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Mass Bay
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +49.16 pp (121.36% vs 72.20%).
- Largest lag: Net Worth Ratio at 11.26% vs peer 12.11% (-0.85 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mass Bay: in-state Call Report ranks
- In Massachusetts, health place is #102 of 126 on the same NCUA-ratio sort used nationally.
- Assets rank #32 of 126 inside Massachusetts ($362.4M reported).
- Membership ranks #32 of 126 among Massachusetts CUs with a reported count (17,626 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mass Bay Call Report trajectory
Mass Bay: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $362.4M (2025Q4) to $367.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.30% → 11.26%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.26%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 14.6 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 2.4 pts
Call Report ratios for Mass Bay
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.26% | -0.85 pp |
| Delinquency Rate | 0.78% | -0.11 pp |
| Return on Assets | 0.47% | -0.15 pp |
| Member Growth | -2.31% | - |
| Loan-to-Share Ratio | 121.36% | +49.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Mass Bay quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $367.7M | - |
| 2025Q4 | $362.4M | 17,626 |
| 2024Q4 | $354.7M | 18,043 |
| 2023Q4 | $350.0M | 18,543 |
Credit Union Details
- Charter Number
- 68137
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- SOUTH BOSTON
- Data Quarter
- 2025Q4
Branch Locations (4)
Mass Bay operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| South Boston (Main Office) | South Boston, MA |
| Everett | Everett, MA |
| Quincy Center | Quincy, MA |
| Seaport Branch | South Boston, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Mass Bay - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($362.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- Mass Bay ranks #3,347 of 4,374 nationally on financial health and #102 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Jean's is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Jean's
- 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 Mass Bay financially healthy?
A 11.26% net worth ratio and a 0.78% delinquency rate feed into Mass Bay's financial health score of 74/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,347 of 4,374; by total assets it ranks #921 of 4,374 nationally (same basis as /rankings/largest); and #32 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mass Bay compare to other credit unions?
On PlainCU's health composite, Mass Bay lands at 74/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Mass Bay?
Membership eligibility for Mass Bay depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mass Bay directly for current membership requirements and application steps.
Is my money safe at Mass Bay?
Federal credit unions like Mass Bay 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. Mass Bay's net worth ratio of 11.26% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mass Bay offer compared to banks?
Credit unions like Mass Bay 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 Mass Bay 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.