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
- MEM 90/100
- RANK 9.7%
- PHOTO 1.11%
- BOOK 0.77%
- CHARTER $743.5M
- NCUSIF 34,833
- CAMELS #1,154/4,374
- HEALTH Granite State
- NW 3830
Call Report peers
Mass. Institute of Tech. in the assets neighbourhood
Mass. Institute of Tech.'s $743.5M assets sit next to Granite State ($743.4M) 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. Institute of Tech. 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
90 Top 27% higher than 73% 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. 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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Mass. Institute of Tech.
Mass. Institute of Tech.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $743.5M (2025Q4) to $743.0M (2026Q1).
- Net-worth ratio shifted +0.04 pp (9.63% → 9.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Mass. Institute of Tech.'s nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($743.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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. Institute of Tech. financially healthy?
A 9.67% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,154 of 4,374; by total assets it ranks #586 of 4,374 nationally (same basis as /rankings/largest); and #21 of 126 within Massachusetts. 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 9.67% 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.
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.