Federal credit union · LYNN, Massachusetts · NCUA charter #24924
Massachusetts Family
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $29.7M
- Total assets
- 1,401
- Members
- 16.4%
- Net-worth ratio
Massachusetts Family scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.7M; members 1,401; net-worth ratio 16.44%; health rank #3,055 of 4,374; healthier than 28th of scored peers.
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Massachusetts Family vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Massachusetts Family sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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
Where Massachusetts Family diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 102.84% here, 59.80% peer average (+43.04 pp).
- Widest shortfall vs peers is Return on Assets: -0.36 pp (0.34% vs 0.70%).
Massachusetts Family in Massachusetts
- Health composite ranks #91 of 126 among scored Massachusetts credit unions.
- Assets rank #82 of 126 inside Massachusetts ($29.7M reported).
- Massachusetts membership ordinal: #94 of 126.
- One place up in Massachusetts, Taupa Lithuanian (#90) scores 78/100, 1 point higher; one place down, Health Alliance (#92) ties at 77/100.
How Massachusetts Family's 5300 filing moved
Massachusetts Family: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.8% from $29.7M (2025Q4) to $29.2M (2026Q1).
- Net-worth ratio shifted +0.38 pp (16.06% → 16.44%).
16.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Massachusetts Family gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for Massachusetts Family
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.44% | +1.58 pp |
| Delinquency Rate | 0.08% | -1.07 pp |
| Return on Assets | 0.34% | -0.36 pp |
| Member Growth | -5.59% | - |
| Loan-to-Share Ratio | 102.84% | +43.04 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Massachusetts Family filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.2M | - |
| 2025Q4 | $29.7M | 1,401 |
| 2024Q4 | $28.4M | 1,484 |
| 2023Q4 | $28.8M | 1,447 |
Credit Union Details
- Charter Number
- 24924
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- LYNN
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Massachusetts Family runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Mass Family CU (Main Office) | Lynn, MA |
| vital records server | Lynn, MA |
| BRANCH OFFICE | PEABODY, 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
Similar total assets
Similar health score
Using this data
- Massachusetts Family ranks #3,055 of 4,374 nationally on financial health and #91 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MALDEN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MALDEN
Frequently Asked Questions
Is Massachusetts Family financially healthy?
On its 2025Q4 NCUA 5300 filing, Massachusetts Family scores 77/100 (Very Good), with a 16.44% net worth ratio and 0.08% of loans delinquent. It ranks #3,055 of 4,374 nationally on health and #91 of 126 in Massachusetts.
How does Massachusetts Family compare to other credit unions?
Massachusetts Family scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (102.84% vs 59.80%). Its widest shortfall is return on assets (0.34% vs 0.70%).
How can I join Massachusetts Family?
Massachusetts Family 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 Massachusetts Family directly for the exact boundaries and application steps.
Is my money safe at Massachusetts Family?
Massachusetts Family 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. Massachusetts Family's net worth ratio of 16.44% 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.