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
Call Report peers
MILLBURY in the assets neighbourhood
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
MILLBURY sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Massachusetts, DIGITAL (#51) ties at 87/100; one place down, Franklin First (#53) ties at 87/100.
How MILLBURY's 5300 filing moved
MILLBURY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $475.0M (2025Q4) to $478.3M (2026Q1).
- Net-worth ratio shifted +0.02 pp (9.44% → 9.46%).
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
MILLBURY gives up 13 points in total. Member Growth costs the most, 10.1 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is MILLBURY financially healthy?
MILLBURY has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,707 of 4,374 nationally on health and #52 of 126 in Massachusetts. Its net worth ratio is 9.46% and its delinquency rate 0.38%.
How does MILLBURY compare to other credit unions?
MILLBURY scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.50% vs 72.20%). Its widest shortfall is net worth ratio (9.46% vs 12.11%).
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?
MILLBURY 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. MILLBURY's net worth ratio of 9.46% 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.