Federal credit union · METHUEN, Massachusetts · NCUA charter #12334
NESC
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $121.1M
- Total assets
- 7,860
- Members
- 10.5%
- Net-worth ratio
NESC scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $121.1M; members 7,860; net-worth ratio 10.47%; health rank #1,140 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,140 of 4,374 health · 2025Q4NESC · health 90/100 · $121.1M · 2025Q4
Call Report peers
NESC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NESC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NESC sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
NESC: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 81.74% here, 72.20% peer average (+9.54 pp).
- Net Worth Ratio trails the peer set - 10.47% here, 12.11% peer average (-1.64 pp).
NESC in Massachusetts
- Massachusetts health ordinal: #31 of 126.
- By total assets, NESC is #58 of 126 in Massachusetts.
- Member book place in Massachusetts: #49 of 126.
- One place up in Massachusetts, RAH (#30) ties at 90/100; one place down, HANSCOM (#32) ties at 90/100.
NESC Call Report trajectory
NESC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $121.1M (2025Q4) to $125.8M (2026Q1).
- Net-worth ratio shifted -0.27 pp (10.74% → 10.47%).
10.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
NESC gives up 10 points in total. Member Growth costs the most, 5.7 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 15.1 pts
NESC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.47% | -1.64 pp |
| Delinquency Rate | 0.94% | +0.05 pp |
| Return on Assets | 0.83% | +0.20 pp |
| Member Growth | 0.23% | - |
| Loan-to-Share Ratio | 81.74% | +9.54 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $125.8M | - |
| 2025Q4 | $121.1M | 7,860 |
| 2024Q4 | $113.9M | 7,842 |
| 2023Q4 | $112.4M | 7,990 |
Credit Union Details
- Charter Number
- 12334
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- METHUEN
- Data Quarter
- 2025Q4
Branch Locations (4)
NESC operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| NESC FCU (Main Office) | METHUEN, MA |
| ANDOVER IRS BRANCH | ANDOVER, MA |
| LAWRENCE BRANCH | LAWRENCE, MA |
| METHUEN BRANCH | 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.
Nationwide credit unions with similar profiles
Using this data
- NESC ranks #1,140 of 4,374 nationally on financial health and #31 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Michaels Fall River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Michaels Fall River
Frequently Asked Questions
Is NESC financially healthy?
NESC has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,140 of 4,374 nationally on health and #31 of 126 in Massachusetts. Its net worth ratio is 10.47% and its delinquency rate 0.94%.
How does NESC compare to other credit unions?
NESC scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (81.74% vs 72.20%). Its widest shortfall is net worth ratio (10.47% vs 12.11%).
How can I join NESC?
NESC 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 NESC directly for the exact boundaries and application steps.
Is my money safe at NESC?
NESC 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. NESC's net worth ratio of 10.47% 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.