Federal credit union · Lexington, Massachusetts · NCUA charter #3830
Mass. Institute of Tech.
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $743.5M
- Total assets
- 34,833
- Members
- 9.6%
- Net-worth ratio
Mass. Institute of Tech. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #3830: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Mass. Institute of Tech. - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)97
- Asset quality (delinquency)77
- Earnings (ROA)100
- Member growth80
- Liquidity (loan-to-share)100
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.63% 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 | 9.63% | 30% |
| Delinquency Rate | 1.11% | 25% |
| Return on Assets | 0.77% | 15% |
| Member Growth | 2.53% | 15% |
| Loan-to-Share Ratio | 79.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mass. Institute of Tech.
Charter #3830, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Mass. Institute of Tech., a federal credit union in Lexington, Massachusetts with 34,833 members, $743.5M in total assets, and $534.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 90/100 (Excellent), helped by a net worth ratio of 9.63% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 79.90% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.11% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.77% on net income of $5.7M 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 2.53%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match 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 Mass. Institute of Tech. financially healthy?
A 9.63% net worth ratio and a 1.11% delinquency rate feed into Mass. Institute of Tech.'s financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Mass. Institute of Tech. compare to other credit unions?
Five weighted metrics from NCUA filings produce Mass. Institute of Tech.'s 90/100 score on PlainCU's health composite, compared to a peer group average for Over $500M 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 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.?
Federal credit unions like Mass. Institute of Tech. 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. Institute of Tech.'s net worth ratio of 9.63% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Mass. Institute of Tech. offer compared to banks?
Credit unions like Mass. Institute of Tech. 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. Institute of Tech. 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.