State credit union · New Bedford, Massachusetts · NCUA charter #66733
New Bedford
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $167.3M
- Total assets
- 10,700
- Members
- 10.8%
- Net-worth ratio
New Bedford scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $167.3M; members 10,700; net-worth ratio 10.82%; health rank #1,679 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,679 of 4,374 health · 2025Q4New Bedford · health 87/100 · $167.3M · 2025Q4
- MEM 87/100
- RANK 10.8%
- PHOTO 0.72%
- BOOK 0.79%
- CHARTER $167.3M
- NCUSIF 10,700
- CAMELS #1,679/4,374
- HEALTH Ussco Johnstown
- NW 66733
Call Report peers
New Bedford in the assets neighbourhood
New Bedford's $167.3M assets sit next to Ussco Johnstown ($167.3M) 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.
New Bedford 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
New Bedford - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66733, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where New Bedford diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 78.21% here, 72.20% peer average (+6.01 pp).
- Net Worth Ratio trails the peer set - 10.82% here, 12.11% peer average (-1.29 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Bedford sits in Massachusetts
- Massachusetts health ordinal: #50 of 126.
- Assets rank #49 of 126 inside Massachusetts ($167.3M reported).
- Membership ranks #44 of 126 among Massachusetts CUs with a reported count (10,700 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.
New Bedford: 2025Q4 → 2026Q1
New Bedford: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $167.3M (2025Q4) to $168.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.74% → 10.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.82%, 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 30.0 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 4.3 pts
- Loan-to-Share Ratio 14.9 pts
New Bedford health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.82% | -1.29 pp |
| Delinquency Rate | 0.72% | -0.17 pp |
| Return on Assets | 0.79% | +0.16 pp |
| Member Growth | -2.64% | - |
| Loan-to-Share Ratio | 78.21% | +6.01 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).
Call Report history - New Bedford
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $168.6M | - |
| 2025Q4 | $167.3M | 10,700 |
| 2024Q4 | $162.6M | 10,990 |
| 2023Q4 | $162.0M | 10,887 |
Credit Union Details
- Charter Number
- 66733
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- New Bedford
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, New Bedford runs 2 offices.
| Office | City |
|---|---|
| New Bedford Credit Union (Main Office) | New Bedford, MA |
| New Bedford Credit Union | New Bedford, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for New Bedford, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($167.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- New Bedford ranks #1,679 of 4,374 nationally on financial health and #50 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOMEFIELD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOMEFIELD
- 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 New Bedford financially healthy?
New Bedford scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,679 of 4,374; by total assets it ranks #1,410 of 4,374 nationally (same basis as /rankings/largest); and #49 of 126 within Massachusetts. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.82% net worth ratio and a 0.72% delinquency rate.
How does New Bedford compare to other credit unions?
PlainCU's health composite puts New Bedford 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 New Bedford?
Membership eligibility for New Bedford depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact New Bedford directly for current membership requirements and application steps.
Is my money safe at New Bedford?
Federal credit unions like New Bedford 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. New Bedford's net worth ratio of 10.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Bedford offer compared to banks?
Credit unions like New Bedford 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 New Bedford 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.