Federal credit union · Boston, Massachusetts · NCUA charter #16383
New England Lee
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $2.8M
- Total assets
- 256
- Members
- 36.0%
- Net-worth ratio
New England Lee - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #16383: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
New England Lee - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 35.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 35.99% | 30% |
| Delinquency Rate | 0.47% | 25% |
| Return on Assets | 1.47% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 77.86% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.8M | 256 |
| 2024Q4 | $2.8M | 256 |
| 2023Q4 | $2.8M | 258 |
Credit Union Details
- Charter Number
- 16383
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Boston
- Data Quarter
- 2025Q4
What This Data Says About New England Lee
Charter #16383, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's New England Lee, a federal credit union in Boston, Massachusetts with 256 members, $2.8M in total assets, and $984K in outstanding loans as of Q4 2025. The five-factor composite scores it 94/100 (Excellent), helped by a net worth ratio of 35.99% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 0.47% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 77.86% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.47% on net income of $41K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is New England Lee financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, New England Lee carries a financial health score of 94/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 35.99% net worth ratio and a 0.47% delinquency rate.
How does New England Lee compare to other credit unions?
On PlainCU's health composite, New England Lee lands at 94/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 New England Lee?
New England Lee serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact New England Lee directly for the current list of qualifying groups.
Is my money safe at New England Lee?
Federal credit unions like New England Lee 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 England Lee's net worth ratio of 35.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New England Lee offer compared to banks?
Credit unions like New England Lee 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 England Lee directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.