Federal credit union · FALL RIVER, Massachusetts · NCUA charter #2792
Notre Dame Community
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $55.5M
- Total assets
- 3,134
- Members
- 13.2%
- Net-worth ratio
Notre Dame Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2792 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Notre Dame Community - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)51
- Earnings (ROA)56
- Member growth0
- Liquidity (loan-to-share)65
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.23% | 30% |
| Delinquency Rate | 1.96% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -6.78% | 15% |
| Loan-to-Share Ratio | 40.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $55.5M | 3,134 |
| 2024Q4 | $57.6M | 3,362 |
| 2023Q4 | $60.6M | 3,441 |
Credit Union Details
- Charter Number
- 2792
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- FALL RIVER
- Data Quarter
- 2025Q4
What This Data Says About Notre Dame Community
The five-factor composite scores Notre Dame Community at 61/100 (Good), reflecting a net worth ratio of 13.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in FALL RIVER, Massachusetts, reports 3,134 members, $55.5M in total assets, and $19.8M in outstanding loans as of Q4 2025 under charter #2792 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
1.96% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 40.93% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.09% on net income of $48K 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 -6.78%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Notre Dame Community financially healthy?
Notre Dame Community scores 61/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.23% net worth ratio and a 1.96% delinquency rate.
How does Notre Dame Community compare to other credit unions?
61/100 is Notre Dame Community's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Notre Dame Community?
Notre Dame 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 Notre Dame Community directly for the exact boundaries and application steps.
Is my money safe at Notre Dame Community?
Federal credit unions like Notre Dame Community 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. Notre Dame Community's net worth ratio of 13.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Notre Dame Community offer compared to banks?
Credit unions like Notre Dame Community 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 Notre Dame Community 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.