Federal credit union · taunton, Massachusetts · NCUA charter #24511
MORTON
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $9.7M
- Total assets
- 1,047
- Members
- 12.0%
- Net-worth ratio
MORTON scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.7M; members 1,047; net-worth ratio 11.98%; health rank #384 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#384 of 4,374 health · 2025Q4MORTON · health 95/100 · $9.7M · 2025Q4
- ASSETS 95/100
- MEM 12.0%
- RANK 0.01%
- PHOTO 1.61%
- BOOK $9.7M
- CHARTER 1,047
- NCUSIF #384/4,374
- CAMELS n/a
- HEALTH 24511
Call Report peers
MORTON carries $9.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
MORTON 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
95 Top 10% higher than 90% 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
MORTON - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24511: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
MORTON vs $2M–$10M peers
- Loan-to-Share Ratio leads the peer set - 71.76% here, 63.60% peer average (+8.16 pp).
- Widest shortfall vs peers is Net Worth Ratio: -7.08 pp (11.98% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where MORTON sits in Massachusetts
- Massachusetts health ordinal: #9 of 126.
- Assets rank #105 of 126 inside Massachusetts ($9.7M reported).
- Membership ranks #106 of 126 among Massachusetts CUs with a reported count (1,047 members).
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 MORTON's 5300 filing moved
MORTON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $9.7M (2025Q4) to $10.1M (2026Q1).
- Net-worth ratio shifted -0.17 pp (12.15% → 11.98%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.98% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for MORTON
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.98% | -7.08 pp |
| Delinquency Rate | 0.01% | -1.80 pp |
| Return on Assets | 1.61% | +1.16 pp |
| Member Growth | 0.87% | - |
| Loan-to-Share Ratio | 71.76% | +8.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.1M | - |
| 2025Q4 | $9.7M | 1,047 |
| 2024Q4 | $9.6M | 1,038 |
| 2023Q4 | $9.9M | 1,044 |
Credit Union Details
- Charter Number
- 24511
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- taunton
- Data Quarter
- 2025Q4
Branch Location
MORTON operates a single office in taunton, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| morton federal credit unioin (Main Office) | taunton, 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.
MORTON nationwide neighbourhoods
Cross-state asset and health neighbours for MORTON - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- MORTON ranks #384 of 4,374 nationally on financial health and #9 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Watertown Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Watertown Municipal
- 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 MORTON financially healthy?
A 11.98% net worth ratio and a 0.01% delinquency rate feed into MORTON's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #384 of 4,374; by total assets it ranks #3,580 of 4,374 nationally (same basis as /rankings/largest); and #105 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does MORTON compare to other credit unions?
MORTON scores 95/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 MORTON?
MORTON 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 MORTON directly for the exact boundaries and application steps.
Is my money safe at MORTON?
Federal credit unions like MORTON 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. MORTON's net worth ratio of 11.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MORTON offer compared to banks?
Credit unions like MORTON 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 MORTON 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.