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
Call Report peers
New Bedford in the assets neighbourhood
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
New Bedford 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
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
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).
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).
- One place up in Massachusetts, Leominster Employees (#49) ties at 87/100; one place down, DIGITAL (#51) ties at 87/100.
New Bedford: 2025Q4 → 2026Q1
New Bedford: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $167.3M (2025Q4) to $168.6M (2026Q1).
- Net-worth ratio shifted +0.08 pp (10.74% → 10.82%).
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
New Bedford gives up 13 points in total. Member Growth costs the most, 10.7 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 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is New Bedford financially healthy?
New Bedford has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,679 of 4,374 nationally on health and #50 of 126 in Massachusetts. Its net worth ratio is 10.82% and its delinquency rate 0.72%.
How does New Bedford compare to other credit unions?
New Bedford 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 (78.21% vs 72.20%). Its widest shortfall is net worth ratio (10.82% vs 12.11%).
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?
New Bedford is a state-chartered 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. New Bedford's net worth ratio of 10.82% 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.