Federal credit union · RANDOLPH, Massachusetts · NCUA charter #14845
RAH
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $23.2M
- Total assets
- 1,840
- Members
- 10.8%
- Net-worth ratio
RAH scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.2M; members 1,840; net-worth ratio 10.82%; health rank #1,132 of 4,374; healthier than 73rd of scored peers.
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NCUA 5300 Call Report Masthead
#1,132 of 4,374 health · 2025Q4RAH · health 90/100 · $23.2M · 2025Q4
Call Report peers
RAH in the assets neighbourhood
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RAH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); RAH 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
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Source NCUA 5300 Call Report aggregates · 2025Q4
RAH vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +13.08 pp (72.88% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.82% vs peer 14.86% (-4.04 pp).
RAH: in-state Call Report ranks
- Massachusetts health ordinal: #30 of 126.
- Massachusetts assets place: #94 of 126.
- Membership ranks #84 of 126 among Massachusetts CUs with a reported count (1,840 members).
- One place up in Massachusetts, SOUTHCOAST (#29) ties at 90/100; one place down, NESC (#31) ties at 90/100.
RAH Call Report trajectory
RAH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $23.2M (2025Q4) to $24.0M (2026Q1).
- Net-worth ratio shifted -0.18 pp (11.00% → 10.82%).
10.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
RAH gives up 10 points in total. Member Growth costs the most, 9.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 14.6 pts
RAH health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.82% | -4.04 pp |
| Delinquency Rate | 0.23% | -0.91 pp |
| Return on Assets | 0.62% | -0.08 pp |
| Member Growth | -2.02% | - |
| Loan-to-Share Ratio | 72.88% | +13.08 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.0M | - |
| 2025Q4 | $23.2M | 1,840 |
| 2024Q4 | $22.8M | 1,878 |
| 2023Q4 | $21.1M | 1,883 |
Credit Union Details
- Charter Number
- 14845
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- RANDOLPH
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for RAH, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| RAH FEDERAL CU (Main Office) | RANDOLPH, MA |
| Compusource Systems Inc | AMHERST, NY |
| Morton Federal CU | Taunton, 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.
RAH nationwide neighbourhoods
Similar total assets
Using this data
- RAH ranks #1,132 of 4,374 nationally on financial health and #30 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Somerville School Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Somerville School Employees
Frequently Asked Questions
Is RAH financially healthy?
On its 2025Q4 NCUA 5300 filing, RAH scores 90/100 (Excellent), with a 10.82% net worth ratio and 0.23% of loans delinquent. It ranks #1,132 of 4,374 nationally on health and #30 of 126 in Massachusetts.
How does RAH compare to other credit unions?
RAH scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (72.88% vs 59.80%). Its widest shortfall is net worth ratio (10.82% vs 14.86%).
How can I join RAH?
RAH 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 RAH directly for the current list of qualifying groups.
Is my money safe at RAH?
RAH 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. RAH's net worth ratio of 10.82% 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.