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
- RANK 90/100
- PHOTO 13.7%
- BOOK 0.14%
- CHARTER 0.34%
- NCUSIF $759.2M
- CAMELS 28,606
- HEALTH #1,086/4,374
- NW Town and Country
- DELQ 66597
Call Report peers
Polish National in the assets neighbourhood
Polish National's $759.2M assets sit next to Town and Country ($759.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Polish National vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Polish National - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #66597, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Polish National
Polish National: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.8% from $759.2M (2025Q4) to $765.4M (2026Q1).
- Net-worth ratio shifted +0.04 pp (13.63% → 13.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Polish National - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($759.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Polish National financially healthy?
Polish National has a financial health score of 90/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,086 of 4,374; by total assets it ranks #576 of 4,374 nationally (same basis as /rankings/largest); and #19 of 126 within Massachusetts. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.67% and delinquency rate of 0.14%.
How does Polish National compare to other credit unions?
PlainCU's health composite puts Polish National at 90/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Polish National 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. Polish National's net worth ratio of 13.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Polish National offer compared to banks?
Credit unions like Polish National 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 Polish National directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.