Federal credit union · Methuen, Massachusetts · NCUA charter #10954
METHUEN
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $38.8M
- Total assets
- 2,531
- Members
- 9.9%
- Net-worth ratio
METHUEN scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.8M; members 2,531; net-worth ratio 9.87%; health rank #1,321 of 4,374; healthier than 69th of scored peers.
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NCUA 5300 Call Report Masthead
#1,321 of 4,374 health · 2025Q4METHUEN · health 89/100 · $38.8M · 2025Q4
Call Report peers
METHUEN in the assets neighbourhood
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METHUEN vs every NCUA-scored credit union
METHUEN sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
METHUEN vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.96 pp (0.18% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -6.48 pp (53.32% vs 59.80%).
METHUEN: in-state Call Report ranks
- Massachusetts health ordinal: #36 of 126.
- Assets rank #76 of 126 inside Massachusetts ($38.8M reported).
- Member book place in Massachusetts: #76 of 126.
- One place up in Massachusetts, ALLCOM (#35) ties at 89/100; one place down, Common Trust (#37) ties at 89/100.
METHUEN Call Report trajectory
METHUEN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $38.8M (2025Q4) to $39.9M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.03% → 9.87%).
This credit union's 9.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
METHUEN gives up 11 points in total. Member Growth costs the most, 4.9 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.6 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 11.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.87% | -4.99 pp |
| Delinquency Rate | 0.18% | -0.96 pp |
| Return on Assets | 0.34% | -0.37 pp |
| Member Growth | 0.96% | - |
| Loan-to-Share Ratio | 53.32% | -6.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - METHUEN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.9M | - |
| 2025Q4 | $38.8M | 2,531 |
| 2024Q4 | $37.2M | 2,507 |
| 2023Q4 | $35.5M | 2,456 |
Credit Union Details
- Charter Number
- 10954
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Methuen
- Data Quarter
- 2025Q4
Branch Location
METHUEN operates a single office in Methuen, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Methuen Federal Credit Union (Main Office) | Methuen, 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.
Other-state peers near METHUEN
Using this data
- METHUEN ranks #1,321 of 4,374 nationally on financial health and #36 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 600 Atlantic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 600 Atlantic
Frequently Asked Questions
Is METHUEN financially healthy?
On its 2025Q4 NCUA 5300 filing, METHUEN scores 89/100 (Excellent), with a 9.87% net worth ratio and 0.18% of loans delinquent. It ranks #1,321 of 4,374 nationally on health and #36 of 126 in Massachusetts.
How does METHUEN compare to other credit unions?
METHUEN scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.18% vs 1.15%). Its widest shortfall is loan-to-share ratio (53.32% vs 59.80%).
How can I join METHUEN?
METHUEN 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 METHUEN directly for the exact boundaries and application steps.
Is my money safe at METHUEN?
METHUEN 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. METHUEN's net worth ratio of 9.87% 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.