Federal credit union · Brockton, Massachusetts · NCUA charter #24043
Messiah Baptist-jubilee
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.1M
- Total assets
- 234
- Members
- 20.7%
- Net-worth ratio
Messiah Baptist-jubilee - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24043 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Messiah Baptist-jubilee - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)75
- Earnings (ROA)100
- Member growth74
- Liquidity (loan-to-share)58
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.69% | 30% |
| Delinquency Rate | 1.16% | 25% |
| Return on Assets | 3.83% | 15% |
| Member Growth | 1.74% | 15% |
| Loan-to-Share Ratio | 30.31% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 234 |
| 2024Q4 | $1.0M | 230 |
| 2023Q4 | $953K | 244 |
Credit Union Details
- Charter Number
- 24043
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Under $2M
- State
- Massachusetts
- City
- Brockton
- Data Quarter
- 2025Q4
What This Data Says About Messiah Baptist-jubilee
Headquartered in Brockton, Massachusetts, Messiah Baptist-jubilee is a federal credit union with 234 members, $1.1M in total assets, and $262K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 20.69% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24043 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
Two more numbers round out the picture: a 1.16% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers - and a 30.31% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 3.83% on net income of $42K 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 1.74%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
- SPRINGFIELD STREET RAILWAY EMP.SPRINGFIELD, MA · Under $2M41Health
- MANCHESTERManchester, MA · Under $2M83Health
- M.O.S.E.S.Boston, MA · Under $2M75Health
- SYMPHONYBoston, MA · $2M–$10M50Health
- NORTH ADAMS M ENorth Adams, MA · $2M–$10M65Health
Compare Messiah Baptist-jubilee vs SPRINGFIELD STREET RAILWAY EMP.
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 Messiah Baptist-jubilee financially healthy?
A 20.69% net worth ratio and a 1.16% delinquency rate feed into Messiah Baptist-jubilee's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Messiah Baptist-jubilee compare to other credit unions?
PlainCU's health composite puts Messiah Baptist-jubilee at 84/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Messiah Baptist-jubilee?
Messiah Baptist-jubilee 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 Messiah Baptist-jubilee directly for the exact boundaries and application steps.
Is my money safe at Messiah Baptist-jubilee?
Federal credit unions like Messiah Baptist-jubilee 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. Messiah Baptist-jubilee's net worth ratio of 20.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Messiah Baptist-jubilee offer compared to banks?
Credit unions like Messiah Baptist-jubilee 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 Messiah Baptist-jubilee 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.