Federal credit union · Millbury, Massachusetts · NCUA charter #24543
MILLBURY
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $475.0M
- Total assets
- 30,097
- Members
- 9.5%
- Net-worth ratio
MILLBURY scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $475.0M; members 30,097; net-worth ratio 9.46%; health rank #1,707 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,707 of 4,374 health · 2025Q4MILLBURY · health 87/100 · $475.0M · 2025Q4
- NW 87/100
- DELQ 9.5%
- ROA 0.38%
- ASSETS 0.42%
- MEM $475.0M
- RANK 30,097
- PHOTO #1,707/4,374
- BOOK Maui County
- CHARTER 24543
Call Report peers
MILLBURY in the assets neighbourhood
MILLBURY's $475.0M assets sit next to Maui County ($475.5M) 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.
MILLBURY 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
87 Top 40% higher than 60% 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
MILLBURY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24543, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
MILLBURY: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +10.30 pp (82.50% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -2.65 pp (9.46% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where MILLBURY sits in Massachusetts
- Health composite ranks #52 of 126 among scored Massachusetts credit unions.
- Assets rank #28 of 126 inside Massachusetts ($475.0M reported).
- Massachusetts membership ordinal: #24 of 126.
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 MILLBURY's 5300 filing moved
MILLBURY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $475.0M (2025Q4) to $478.3M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.44% → 9.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.46%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.9 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.46% | -2.65 pp |
| Delinquency Rate | 0.38% | -0.51 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | -2.25% | - |
| Loan-to-Share Ratio | 82.50% | +10.30 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $478.3M | - |
| 2025Q4 | $475.0M | 30,097 |
| 2024Q4 | $489.4M | 30,791 |
| 2023Q4 | $477.2M | 31,119 |
Credit Union Details
- Charter Number
- 24543
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Millbury
- Data Quarter
- 2025Q4
Branch Locations (5)
MILLBURY operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Millbury (Main Office) | Millbury, MA |
| Auburn | Auburn, MA |
| So. Grafton | South Grafton, MA |
| Webster Square | Worcester, MA |
| Greendale | Worcester, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for MILLBURY
Cross-state asset and health neighbours for MILLBURY - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($475.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- MILLBURY ranks #1,707 of 4,374 nationally on financial health and #52 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Boston Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Boston Firefighters
- 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 MILLBURY financially healthy?
MILLBURY has a financial health score of 87/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,707 of 4,374; by total assets it ranks #778 of 4,374 nationally (same basis as /rankings/largest); and #28 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.46% and delinquency rate of 0.38%.
How does MILLBURY compare to other credit unions?
PlainCU's health composite puts MILLBURY at 87/100, compared to a peer group average for $100M–$500M 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 MILLBURY?
MILLBURY 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 MILLBURY directly for the exact boundaries and application steps.
Is my money safe at MILLBURY?
Federal credit unions like MILLBURY 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. MILLBURY's net worth ratio of 9.46% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MILLBURY offer compared to banks?
Credit unions like MILLBURY 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 MILLBURY 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.