Federal credit union · Lexington, Massachusetts · NCUA charter #3830
Mass. Institute of Tech.
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $743.5M
- Total assets
- 34,833
- Members
- 9.7%
- Net-worth ratio
Mass. Institute of Tech. scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $743.5M; members 34,833; net-worth ratio 9.67%; health rank #1,154 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,154 of 4,374 health · 2025Q4Mass. Institute of Tech. · health 90/100 · $743.5M · 2025Q4
Call Report peers
Mass. Institute of Tech. in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mass. Institute of Tech. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mass. Institute of Tech. sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Mass. Institute of Tech.
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.26 pp (0.77% vs 0.51%).
- Loan-to-Share Ratio trails the peer set - 79.90% here, 83.90% peer average (-4.00 pp).
Where Mass. Institute of Tech. sits in Massachusetts
- Health composite ranks #34 of 126 among scored Massachusetts credit unions.
- Assets rank #21 of 126 inside Massachusetts ($743.5M reported).
- Massachusetts membership ordinal: #20 of 126.
- One place up in Massachusetts, BRIGHTBRIDGE (#33) ties at 90/100; one place down, ALLCOM (#35) scores 89/100, 1 point lower.
Quarter path for Mass. Institute of Tech.
Mass. Institute of Tech.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $743.5M (2025Q4) to $743.0M (2026Q1).
- Net-worth ratio shifted +0.04 pp (9.63% → 9.67%).
This credit union's 9.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Mass. Institute of Tech. gives up 10 points in total. Delinquency Rate costs the most, 5.8 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.2 pts
- Delinquency Rate 19.2 pts
- Return on Assets 15.0 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.67% | -1.51 pp |
| Delinquency Rate | 1.11% | +0.23 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | 2.53% | - |
| Loan-to-Share Ratio | 79.90% | -4.00 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Mass. Institute of Tech.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $743.0M | - |
| 2025Q4 | $743.5M | 34,833 |
| 2024Q4 | $721.7M | 33,975 |
| 2023Q4 | $727.1M | 34,119 |
Credit Union Details
- Charter Number
- 3830
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Lexington
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Mass. Institute of Tech., spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Lexington, MA |
| MIT Student Center Branch | Cambridge, MA |
| MIT FCU Tech Sq. Branch | Cambridge, MA |
| MIT Lincoln Laboratory Branch | Lexington, MA |
| Operations Center | Lexington, 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.
Mass. Institute of Tech. nationwide neighbourhoods
Using this data
- Mass. Institute of Tech. ranks #1,154 of 4,374 nationally on financial health and #34 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FREEDOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FREEDOM
Frequently Asked Questions
Is Mass. Institute of Tech. financially healthy?
Mass. Institute of Tech. has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,154 of 4,374 nationally on health and #34 of 126 in Massachusetts. Its net worth ratio is 9.67% and its delinquency rate 1.11%.
How does Mass. Institute of Tech. compare to other credit unions?
Mass. Institute of Tech. scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.77% vs 0.51%). Its widest shortfall is loan-to-share ratio (79.90% vs 83.90%).
How can I join Mass. Institute of Tech.?
Mass. Institute of Tech. operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Mass. Institute of Tech. directly for the exact boundaries and application steps.
Is my money safe at Mass. Institute of Tech.?
Mass. Institute of Tech. 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. Mass. Institute of Tech.'s net worth ratio of 9.67% 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.