Federal credit union · Brockton, Massachusetts · NCUA charter #24043
Messiah Baptist-Jubilee
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $1.1M
- Total assets
- 234
- Members
- 22.6%
- Net-worth ratio
Messiah Baptist-Jubilee scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 234; net-worth ratio 22.58%; health rank #2,045 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,045 of 4,374 health · 2025Q4Messiah Baptist-Jubilee · health 84/100 · $1.1M · 2025Q4
Call Report peers
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Messiah Baptist-Jubilee vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Messiah Baptist-Jubilee sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 Messiah Baptist-Jubilee diverges from peer averages
- Strongest edge vs 243 Under $2M peers is Return on Assets: +3.61 pp (3.83% vs 0.22%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.39 pp (30.31% vs 52.70%).
Where Messiah Baptist-Jubilee sits in Massachusetts
- Health composite ranks #61 of 126 among scored Massachusetts credit unions.
- By total assets, Messiah Baptist-Jubilee is #125 of 126 in Massachusetts.
- Membership ranks #123 of 126 among Massachusetts CUs with a reported count (234 members).
- One place up in Massachusetts, GOLDMARK (#60) scores 85/100, 1 point higher; one place down, First Citizens' (#62) ties at 84/100.
Quarter path for Messiah Baptist-Jubilee
Messiah Baptist-Jubilee: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $1.1M (2025Q4) to $1.1M (2026Q1).
- Net-worth ratio shifted +0.87 pp (21.71% → 22.58%).
At 22.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Messiah Baptist-Jubilee gives up 16 points in total. Loan-to-Share Ratio costs the most, 6.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 9.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.58% | -0.35 pp |
| Delinquency Rate | 1.16% | -3.31 pp |
| Return on Assets | 3.83% | +3.61 pp |
| Member Growth | 1.74% | - |
| Loan-to-Share Ratio | 30.31% | -22.39 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.1M | - |
| 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
Branch Locations (2)
Messiah Baptist-Jubilee operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MBJFCU (Main Office) | Brockton, MA |
| Disaster Recovery | Boston, 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.
- SPRINGFIELD STREET RAILWAY EMP.SPRINGFIELD, MA · Under $2M41Health
- MANCHESTERManchester, MA · Under $2M83Health
- M.O.S.E.S.Boston, MA · Under $2M75Health
- SYMPHONYBoston, MA · $2M–$10M52Health
- NORTH ADAMS M ENorth Adams, MA · $2M–$10M65Health
Compare Messiah Baptist-Jubilee vs SPRINGFIELD STREET RAILWAY EMP.
Messiah Baptist-Jubilee nationwide neighbourhoods
Similar health score
Using this data
- Messiah Baptist-Jubilee ranks #2,045 of 4,374 nationally on financial health and #61 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Springfield Street Railway Emp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Springfield Street Railway Emp.
Frequently Asked Questions
Is Messiah Baptist-Jubilee financially healthy?
Messiah Baptist-Jubilee has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,045 of 4,374 nationally on health and #61 of 126 in Massachusetts. Its net worth ratio is 22.58% and its delinquency rate 1.16%.
How does Messiah Baptist-Jubilee compare to other credit unions?
Messiah Baptist-Jubilee scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is return on assets (3.83% vs 0.22%). Its widest shortfall is loan-to-share ratio (30.31% vs 52.70%).
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?
Messiah Baptist-Jubilee 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. Messiah Baptist-Jubilee's net worth ratio of 22.58% 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.