Federal credit union · Norfolk, Massachusetts · NCUA charter #8828
Norfolk Community
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $33.9M
- Total assets
- 3,591
- Members
- 12.2%
- Net-worth ratio
Norfolk Community scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $33.9M; members 3,591; net-worth ratio 12.20%; health rank #632 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#632 of 4,374 health · 2025Q4Norfolk Community · health 93/100 · $33.9M · 2025Q4
Call Report peers
Norfolk Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Norfolk Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Norfolk Community sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Peer-gap read for Norfolk Community
- Largest favorable gap: Loan-to-Share Ratio at 68.86% vs peer 59.80% (+9.06 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.66 pp (12.20% vs 14.86%).
Where Norfolk Community sits in Massachusetts
- Massachusetts health ordinal: #16 of 126.
- Massachusetts assets place: #80 of 126.
- Member book place in Massachusetts: #69 of 126.
- One place up in Massachusetts, Greater Springfield (#15) ties at 93/100; one place down, Pioneer Valley (#17) ties at 93/100.
Norfolk Community: 2025Q4 → 2026Q1
Norfolk Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $33.9M (2025Q4) to $33.6M (2026Q1).
- Net-worth ratio shifted +0.41 pp (11.79% → 12.20%).
This credit union's 12.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Norfolk Community gives up 7 points in total. Member Growth costs the most, 6.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.20% | -2.66 pp |
| Delinquency Rate | 0.48% | -0.66 pp |
| Return on Assets | 1.39% | +0.69 pp |
| Member Growth | -0.17% | - |
| Loan-to-Share Ratio | 68.86% | +9.06 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Norfolk Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.6M | - |
| 2025Q4 | $33.9M | 3,591 |
| 2024Q4 | $28.9M | 3,597 |
| 2023Q4 | $27.5M | 3,614 |
Credit Union Details
- Charter Number
- 8828
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Norfolk
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Norfolk Community.
| Office | City |
|---|---|
| Norfolk Community FCU (Main Office) | Norfolk, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Cross-state Call Report peers for Norfolk Community
Similar total assets
Similar health score
Using this data
- Norfolk Community ranks #632 of 4,374 nationally on financial health and #16 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALPHA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALPHA
Frequently Asked Questions
Is Norfolk Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Norfolk Community scores 93/100 (Excellent), with a 12.20% net worth ratio and 0.48% of loans delinquent. It ranks #632 of 4,374 nationally on health and #16 of 126 in Massachusetts.
How does Norfolk Community compare to other credit unions?
Norfolk Community scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (68.86% vs 59.80%). Its widest shortfall is net worth ratio (12.20% vs 14.86%).
How can I join Norfolk Community?
Norfolk Community 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 Norfolk Community directly for the exact boundaries and application steps.
Is my money safe at Norfolk Community?
Norfolk Community 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. Norfolk Community's net worth ratio of 12.20% 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.