State credit union · Medford, Massachusetts · NCUA charter #66706
Members Plus
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $341.1M
- Total assets
- 13,658
- Members
- 10.9%
- Net-worth ratio
Members Plus scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $341.1M; members 13,658; net-worth ratio 10.91%; health rank #3,189 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,189 of 4,374 health · 2025Q4Members Plus · health 76/100 · $341.1M · 2025Q4
- ROA 76/100
- ASSETS 10.9%
- MEM 0.63%
- RANK -1.79%
- PHOTO $341.1M
- BOOK 13,658
- CHARTER #3,189/4,374
- NCUSIF UME
- CAMELS 66706
Call Report peers
Members Plus in the assets neighbourhood
Members Plus's $341.1M assets sit next to UME ($340.7M) 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.
Members Plus 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
76 26th percentile higher than 26% 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
Members Plus - Share Insurance Coverage
Charter #66706's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Members Plus vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.63% here, 0.89% peer average (-0.26 pp).
- Loan-to-Share Ratio trails the peer set - 65.29% here, 72.20% peer average (-6.91 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Members Plus sits in Massachusetts
- Massachusetts health ordinal: #95 of 126.
- Assets rank #33 of 126 inside Massachusetts ($341.1M reported).
- Membership ranks #33 of 126 among Massachusetts CUs with a reported count (13,658 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Members Plus's 5300 filing moved
Members Plus: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.5% from $341.1M (2025Q4) to $356.4M (2026Q1).
- Net-worth ratio shifted -0.63 pp (11.54% → 10.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.91%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.7 pts
- Return on Assets 0.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 14.2 pts
Members Plus health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.91% | -1.20 pp |
| Delinquency Rate | 0.63% | -0.26 pp |
| Return on Assets | -1.79% | -2.42 pp |
| Member Growth | -0.52% | - |
| Loan-to-Share Ratio | 65.29% | -6.91 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Members Plus quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $356.4M | - |
| 2025Q4 | $341.1M | 13,658 |
| 2024Q4 | $322.2M | 13,729 |
| 2023Q4 | $364.7M | 13,708 |
Credit Union Details
- Charter Number
- 66706
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Medford
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, Members Plus runs 7 offices in 6 different cities.
| Office | City |
|---|---|
| MPCU-Main (Main Office) | Medford, MA |
| Adams Village | Dorchester, MA |
| Mass Ave | Dorchester, MA |
| Everett | Everett, MA |
| Norwood | NORWOOD, MA |
| Plymouth, Commerce Way | PLYMOUTH, MA |
| Winchester | Winchester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Members Plus's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($341.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Members Plus ranks #3,189 of 4,374 nationally on financial health and #95 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MASSMUTUAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MASSMUTUAL
- 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 Members Plus financially healthy?
A 10.91% net worth ratio and a 0.63% delinquency rate feed into Members Plus's financial health score of 76/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,189 of 4,374; by total assets it ranks #959 of 4,374 nationally (same basis as /rankings/largest); and #33 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Members Plus compare to other credit unions?
Members Plus scores 76/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Members Plus?
Membership eligibility for Members Plus depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Members Plus directly for current membership requirements and application steps.
Is my money safe at Members Plus?
Federal credit unions like Members Plus 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. Members Plus's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Members Plus offer compared to banks?
Credit unions like Members Plus 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 Members Plus 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.