State credit union · Chicopee, Massachusetts · NCUA charter #66597
Polish National
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $759.2M
- Total assets
- 28,606
- Members
- 13.7%
- Net-worth ratio
Polish National scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $759.2M; members 28,606; net-worth ratio 13.67%; health rank #1,086 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,086 of 4,374 health · 2025Q4Polish National · health 90/100 · $759.2M · 2025Q4
Call Report peers
Polish National in the assets neighbourhood
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Polish National vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Polish National sits in 90-94 with 747 others.
90 Top 27% higher than 73% 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 Polish National
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +19.14 pp (103.04% vs 83.90%).
- Largest lag: Return on Assets at 0.34% vs peer 0.51% (-0.16 pp).
Polish National: in-state Call Report ranks
- Health composite ranks #27 of 126 among scored Massachusetts credit unions.
- By total assets, Polish National is #19 of 126 in Massachusetts.
- Membership ranks #25 of 126 among Massachusetts CUs with a reported count (28,606 members).
- One place up in Massachusetts, Billerica Municipal Employees (#26) ties at 90/100; one place down, Boston Firefighters (#28) ties at 90/100.
Quarter path for Polish National
Polish National: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $759.2M (2025Q4) to $765.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.63% → 13.67%).
At 13.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 90/100 score is built
Polish National gives up 10 points in total. Loan-to-Share Ratio costs the most, 5.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.7 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 9.5 pts
Polish National vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.67% | +2.49 pp |
| Delinquency Rate | 0.14% | -0.74 pp |
| Return on Assets | 0.34% | -0.16 pp |
| Member Growth | 3.17% | - |
| Loan-to-Share Ratio | 103.04% | +19.14 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Polish National quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $765.4M | - |
| 2025Q4 | $759.2M | 28,606 |
| 2024Q4 | $744.6M | 27,727 |
| 2023Q4 | $727.6M | 28,372 |
Credit Union Details
- Charter Number
- 66597
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Chicopee
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Polish National, spread across 7 cities.
| Office | City |
|---|---|
| Front Street (Main Office) | Chicopee, MA |
| Chicopee Comprehensive High School | Chicopee, MA |
| East Longmeadow Office | East Longmeadow, MA |
| Granby Office | Granby, MA |
| Hampden | Hampden, MA |
| Southampton Office | Southampton, MA |
| Westfield Office | Westfield, MA |
| Wilbraham Office | Wilbraham, 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.
Other-state peers near Polish National
Similar total assets
Similar health score
Using this data
- Polish National ranks #1,086 of 4,374 nationally on financial health and #27 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GFA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GFA
Frequently Asked Questions
Is Polish National financially healthy?
On its 2025Q4 NCUA 5300 filing, Polish National scores 90/100 (Excellent), with a 13.67% net worth ratio and 0.14% of loans delinquent. It ranks #1,086 of 4,374 nationally on health and #27 of 126 in Massachusetts.
How does Polish National compare to other credit unions?
Polish National scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (103.04% vs 83.90%). Its widest shortfall is return on assets (0.34% vs 0.51%).
How can I join Polish National?
Membership eligibility for Polish National depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Polish National directly for current membership requirements and application steps.
Is my money safe at Polish National?
Polish National 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. Polish National's net worth ratio of 13.67% 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.