Federal credit union · Rockland, Massachusetts · NCUA charter #24224
ROCKLAND
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $3.45B
- Total assets
- 206,023
- Members
- 10.4%
- Net-worth ratio
ROCKLAND scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.45B; members 206,023; net-worth ratio 10.44%; health rank #827 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#827 of 4,374 health · 2025Q4ROCKLAND · health 92/100 · $3.45B · 2025Q4
- MEM 92/100
- RANK 10.4%
- PHOTO 0.45%
- BOOK 0.47%
- CHARTER $3.45B
- NCUSIF 206,023
- CAMELS #827/4,374
- HEALTH Oregon Community
- NW 24224
Call Report peers
ROCKLAND in the assets neighbourhood
ROCKLAND's $3.45B assets sit next to Oregon Community ($3.43B) 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.
ROCKLAND 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
92 Top 20% higher than 80% 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
ROCKLAND - Share Insurance Coverage
Charter #24224's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where ROCKLAND diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +16.62 pp (100.52% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -0.74 pp (10.44% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ROCKLAND: in-state Call Report ranks
- In Massachusetts, health place is #20 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, ROCKLAND is #2 of 126 in Massachusetts.
- Membership ranks #3 of 126 among Massachusetts CUs with a reported count (206,023 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.
ROCKLAND: 2025Q4 → 2026Q1
ROCKLAND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.3% from $3.45B (2025Q4) to $3.74B (2026Q1).
- Net-worth ratio shifted -0.44 pp (10.88% → 10.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.6 pts
- Member Growth 12.6 pts
- Loan-to-Share Ratio 9.8 pts
ROCKLAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.44% | -0.74 pp |
| Delinquency Rate | 0.45% | -0.43 pp |
| Return on Assets | 0.47% | -0.03 pp |
| Member Growth | 2.97% | - |
| Loan-to-Share Ratio | 100.52% | +16.62 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).
ROCKLAND filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.74B | - |
| 2025Q4 | $3.45B | 206,023 |
| 2024Q4 | $3.24B | 200,089 |
| 2023Q4 | $3.03B | 196,087 |
Credit Union Details
- Charter Number
- 24224
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Rockland
- Data Quarter
- 2025Q4
Branch Locations (9)
ROCKLAND operates 9 offices across 9 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Rockland, MA |
| Brockton | Brockton, MA |
| Hanover | Hanover, MA |
| Mansfield | Mansfield, MA |
| Marshfield | Marshfield, MA |
| N Attleboro | North Attleboro, MA |
| Plymouth | Plymouth, MA |
| Walpole | Walpole, MA |
| Weymouth | Weymouth, 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.
Nationwide credit unions with similar profiles
ROCKLAND's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- ROCKLAND ranks #827 of 4,374 nationally on financial health and #20 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- METRO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with METRO
- 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 ROCKLAND financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - ROCKLAND's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #827 of 4,374; by total assets it ranks #144 of 4,374 nationally (same basis as /rankings/largest); and #2 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.44% net worth ratio and 0.45% delinquency rate are the key drivers.
How does ROCKLAND compare to other credit unions?
92/100 is ROCKLAND's score on PlainCU's health composite, compared to a peer group average for Over $500M 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 ROCKLAND?
ROCKLAND 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 ROCKLAND directly for the exact boundaries and application steps.
Is my money safe at ROCKLAND?
Federal credit unions like ROCKLAND 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. ROCKLAND's net worth ratio of 10.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ROCKLAND offer compared to banks?
Credit unions like ROCKLAND 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 ROCKLAND 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.