Federal credit union · North Adams, Massachusetts · NCUA charter #13274

North Adams M E

Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.

65
Health / 100
$2.2M
Total assets
332
Members
18.4%
Net-worth ratio

North Adams M E scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.2M; members 332; net-worth ratio 18.40%; health rank #3,860 of 4,374; healthier than 11th of scored peers.

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#3,860 of 4,374 health · 2025Q4

North Adams M E · health 65/100 · $2.2M · 2025Q4

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North Adams M E vs every NCUA-scored credit union

The busiest band is 85-89 (858 credit unions); North Adams M E sits in 65-69 with 275 others.

65 11th percentile higher than 11% 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 North Adams M E diverges from peer averages

  • Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +4.96 pp (68.56% vs 63.60%).
  • Delinquency Rate trails the peer set - 4.18% here, 1.81% peer average (+2.38 pp).

North Adams M E: in-state Call Report ranks

  • In Massachusetts, health place is #113 of 126 on the same NCUA-ratio sort used nationally.
  • By total assets, North Adams M E is #121 of 126 in Massachusetts.
  • Member book place in Massachusetts: #118 of 126.
  • One place up in Massachusetts, Stoneham Municipal Employees (#112) scores 68/100, 3 points higher; one place down, TREMONT (#114) ties at 65/100.

Quarter path for North Adams M E

North Adams M E: total assets by quarter

2023Q4 to 2026Q1, NCUA 5300

2,000,0002,100,0002,200,0002,300,000 2023Q42024Q42025Q42026Q1 2,052,573 2,263,230 ▲ +10.3%
  • Assets moved +1.8% from $2.2M (2025Q4) to $2.3M (2026Q1).
  • Net-worth ratio shifted -1.32 pp (19.72% → 18.40%).
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 18.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

How the 65/100 score is built

North Adams M E gives up 35 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets score full marks.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 0.0 pts
  • Return on Assets 15.0 pts
  • Member Growth 5.3 pts
  • Loan-to-Share Ratio 14.7 pts

Financial Health Metrics

Metric Value vs peer
Net Worth Ratio 18.40% -0.66 pp
Delinquency Rate 4.18% +2.38 pp
Return on Assets 3.89% +3.43 pp
Member Growth -2.06% -
Loan-to-Share Ratio 68.56% +4.96 pp

Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.

North Adams M E filing history

Quarter Assets Members
2026Q1 $2.3M -
2025Q4 $2.2M 332
2024Q4 $2.1M 339
2023Q4 $2.1M 347

Credit Union Details

Charter Number
13274
Type
Federal
Field of Membership
Multiple Common Bond
Peer Group
$2M–$10M
State
Massachusetts
City
North Adams
Data Quarter
2025Q4

Branch Locations (2)

The NCUA branch filing lists 2 physical offices for North Adams M E.

Office City
North Adams Municipal Employee Federal Credit Union (Main Office) North Adams, MA
Records North Adams, 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.

Compare North Adams M E vs SYMPHONY

Cross-state Call Report peers for North Adams M E

Using this data

  • North Adams M E ranks #3,860 of 4,374 nationally on financial health and #113 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • SYMPHONY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SYMPHONY

Frequently Asked Questions

Is North Adams M E financially healthy?

North Adams M E has a financial health score of 65/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,860 of 4,374 nationally on health and #113 of 126 in Massachusetts. Its net worth ratio is 18.40% and its delinquency rate 4.18%.

How does North Adams M E compare to other credit unions?

North Adams M E scores 65/100, higher than 11% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (68.56% vs 63.60%). Its widest shortfall is delinquency rate (4.18% vs 1.81%).

How can I join North Adams M E?

North Adams M E 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 North Adams M E directly for the current list of qualifying groups.

Is my money safe at North Adams M E?

North Adams M E 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. North Adams M E's net worth ratio of 18.40% exceeds the 7% threshold NCUA considers "well capitalized."

Data sourced from the NCUA 5300 Call Report (2025Q4) for North Adams M E. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.