Federal credit union · SHREWSBURY, Massachusetts · NCUA charter #13601
SHREWSBURY
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $246.0M
- Total assets
- 9,546
- Members
- 8.5%
- Net-worth ratio
SHREWSBURY scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $246.0M; members 9,546; net-worth ratio 8.51%; health rank #1,528 of 4,374; healthier than 65th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,528 of 4,374 health · 2025Q4SHREWSBURY · health 88/100 · $246.0M · 2025Q4
- BOOK 88/100
- CHARTER 8.5%
- NCUSIF 0.38%
- CAMELS 0.47%
- HEALTH $246.0M
- NW 9,546
- DELQ #1,528/4,374
- ROA PYRAMID
- ASSETS 13601
Call Report peers
SHREWSBURY in the assets neighbourhood
SHREWSBURY's $246.0M assets sit next to PYRAMID ($246.5M) 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.
SHREWSBURY 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
88 Top 35% higher than 65% 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
SHREWSBURY - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #13601. See our deposit-insurance coverage note.
Where SHREWSBURY diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.51 pp (0.38% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 49.07% here, 72.20% peer average (-23.13 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SHREWSBURY in Massachusetts
- Massachusetts health ordinal: #42 of 126.
- Massachusetts assets place: #40 of 126.
- Membership ranks #46 of 126 among Massachusetts CUs with a reported count (9,546 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.
SHREWSBURY Call Report trajectory
SHREWSBURY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $246.0M (2025Q4) to $247.6M (2026Q1).
- Net-worth ratio shifted +0.13 pp (8.38% → 8.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.51% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.6 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 10.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.51% | -3.60 pp |
| Delinquency Rate | 0.38% | -0.51 pp |
| Return on Assets | 0.47% | -0.15 pp |
| Member Growth | 2.42% | - |
| Loan-to-Share Ratio | 49.07% | -23.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - SHREWSBURY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $247.6M | - |
| 2025Q4 | $246.0M | 9,546 |
| 2024Q4 | $216.8M | 9,320 |
| 2023Q4 | $212.6M | 9,342 |
Credit Union Details
- Charter Number
- 13601
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- SHREWSBURY
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, SHREWSBURY runs one office.
| Office | City |
|---|---|
| SHREWSBURY FEDERAL CREDIT UNION (Main Office) | SHREWSBURY, 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.
Cross-state Call Report peers for SHREWSBURY
Two NCUA Call Report peer sets for SHREWSBURY, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($246.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- SHREWSBURY ranks #1,528 of 4,374 nationally on financial health and #42 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LUSO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LUSO
- 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 SHREWSBURY financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SHREWSBURY carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,528 of 4,374; by total assets it ranks #1,152 of 4,374 nationally (same basis as /rankings/largest); and #40 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.51% net worth ratio and a 0.38% delinquency rate.
How does SHREWSBURY compare to other credit unions?
PlainCU's health composite puts SHREWSBURY at 88/100, compared to a peer group average for $100M–$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 SHREWSBURY?
SHREWSBURY 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 SHREWSBURY directly for the exact boundaries and application steps.
Is my money safe at SHREWSBURY?
Federal credit unions like SHREWSBURY 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. SHREWSBURY's net worth ratio of 8.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHREWSBURY offer compared to banks?
Credit unions like SHREWSBURY 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 SHREWSBURY 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.