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
Call Report peers
Mass Bay in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Mass Bay sits in 70-74 with 317 others.
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
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).
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).
- One place up in Massachusetts, Medford Municipal Employees (#101) ties at 74/100; one place down, NAVEO (#103) ties at 74/100.
Mass Bay Call Report trajectory
Mass Bay: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $362.4M (2025Q4) to $367.7M (2026Q1).
- Net-worth ratio shifted -0.04 pp (11.30% → 11.26%).
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
Mass Bay gives up 26 points in total. Loan-to-Share Ratio costs the most, 12.5 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Mass Bay financially healthy?
Mass Bay has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,347 of 4,374 nationally on health and #102 of 126 in Massachusetts. Its net worth ratio is 11.26% and its delinquency rate 0.78%.
How does Mass Bay compare to other credit unions?
Mass Bay scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (121.36% vs 72.20%). Its widest shortfall is net worth ratio (11.26% vs 12.11%).
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?
Mass Bay is a state-chartered 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. Mass Bay's net worth ratio of 11.26% 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.