State credit union · Quincy, Massachusetts · NCUA charter #67709
QUINCY
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $730.6M
- Total assets
- 38,853
- Members
- 14.2%
- Net-worth ratio
QUINCY scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $730.6M; members 38,853; net-worth ratio 14.25%; health rank #348 of 4,374; healthier than 90th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#348 of 4,374 health · 2025Q4QUINCY · health 95/100 · $730.6M · 2025Q4
Call Report peers
QUINCY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
QUINCY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); QUINCY sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for QUINCY
- Largest favorable gap: Net Worth Ratio at 14.25% vs peer 11.18% (+3.07 pp).
- Largest lag: Loan-to-Share Ratio at 69.65% vs peer 83.90% (-14.25 pp).
Where QUINCY sits in Massachusetts
- Massachusetts health ordinal: #8 of 126.
- Massachusetts assets place: #22 of 126.
- Member book place in Massachusetts: #16 of 126.
- One place up in Massachusetts, LUSO-AMERICAN (#7) ties at 95/100; one place down, MORTON (#9) ties at 95/100.
QUINCY: 2025Q4 → 2026Q1
QUINCY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $730.6M (2025Q4) to $733.0M (2026Q1).
- Net-worth ratio shifted +0.10 pp (14.15% → 14.25%).
This credit union's 14.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
QUINCY gives up 5 points in total. Member Growth costs the most, 2.6 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 14.7 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.25% | +3.07 pp |
| Delinquency Rate | 0.67% | -0.20 pp |
| Return on Assets | 0.48% | -0.03 pp |
| Member Growth | 2.79% | - |
| Loan-to-Share Ratio | 69.65% | -14.25 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $733.0M | - |
| 2025Q4 | $730.6M | 38,853 |
| 2024Q4 | $693.3M | 37,797 |
| 2023Q4 | $712.2M | 37,026 |
Credit Union Details
- Charter Number
- 67709
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Quincy
- Data Quarter
- 2025Q4
Branch Locations (4)
QUINCY operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Quincy, MA |
| Hanover Branch | Hanover, MA |
| Marshfield Branch | Marshfield, MA |
| Weymouth Branch | Weymouth, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Other-state peers near QUINCY
Similar total assets
Using this data
- QUINCY ranks #348 of 4,374 nationally on financial health and #8 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mass. Institute of Tech. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mass. Institute of Tech.
Frequently Asked Questions
Is QUINCY financially healthy?
On its 2025Q4 NCUA 5300 filing, QUINCY scores 95/100 (Excellent), with a 14.25% net worth ratio and 0.67% of loans delinquent. It ranks #348 of 4,374 nationally on health and #8 of 126 in Massachusetts.
How does QUINCY compare to other credit unions?
QUINCY scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (14.25% vs 11.18%). Its widest shortfall is loan-to-share ratio (69.65% vs 83.90%).
How can I join QUINCY?
Membership eligibility for QUINCY depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact QUINCY directly for current membership requirements and application steps.
Is my money safe at QUINCY?
QUINCY 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. QUINCY's net worth ratio of 14.25% 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.