State credit union · SPRINGFIELD, Massachusetts · NCUA charter #67965
Springfield Street Railway Emp.
Health score 41/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $1.1M
- Total assets
- 164
- Members
- 20.8%
- Net-worth ratio
Springfield Street Railway Emp. scores 41/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.1M; members 164; net-worth ratio 20.82%; health rank #4,331 of 4,374; healthier than 1st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,331 of 4,374 health · 2025Q4Springfield Street Railway… · health 41/100 · $1.1M · 2025Q4
- BOOK 41/100
- CHARTER 20.8%
- NCUSIF 4.08%
- CAMELS -0.43%
- HEALTH $1.1M
- NW 164
- DELQ #4,331/4,374
- ROA n/a
- ASSETS 67965
Call Report peers
Springfield Street Railway Emp. carries $1.1M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Springfield Street Railway Emp. 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
41 1st percentile higher than 1% 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
Springfield Street Railway Emp. - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67965, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Springfield Street Railway Emp.
- Delinquency Rate leads the peer set - 4.08% here, 4.48% peer average (-0.39 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.55 pp (44.15% vs 52.70%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Springfield Street Railway Emp. in Massachusetts
- Massachusetts health ordinal: #126 of 126.
- By total assets, Springfield Street Railway Emp. is #126 of 126 in Massachusetts.
- Membership ranks #126 of 126 among Massachusetts CUs with a reported count (164 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.
Springfield Street Railway Emp. Call Report trajectory
Springfield Street Railway Emp.: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -9.0% from $1.2M (2024Q4) to $1.1M (2025Q4).
- Membership moved -8.9% from 180 to 164 over the same window.
- Net-worth ratio shifted -7.44 pp (28.26% → 20.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 41/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 41.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.4 pts
Springfield Street Railway Emp. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.82% | -2.11 pp |
| Delinquency Rate | 4.08% | -0.39 pp |
| Return on Assets | -0.43% | -0.65 pp |
| Member Growth | -8.89% | - |
| Loan-to-Share Ratio | 44.15% | -8.55 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Springfield Street Railway Emp.
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.1M | 164 |
| 2024Q4 | $1.2M | 180 |
| 2023Q4 | $1.4M | 186 |
Credit Union Details
- Charter Number
- 67965
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Massachusetts
- City
- SPRINGFIELD
- Data Quarter
- 2025Q4
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.
- MESSIAH BAPTIST-JUBILEEBrockton, MA · Under $2M84Health
- MANCHESTERManchester, MA · Under $2M83Health
- M.O.S.E.S.Boston, MA · Under $2M75Health
- SYMPHONYBoston, MA · $2M–$10M52Health
- NORTH ADAMS M ENorth Adams, MA · $2M–$10M65Health
Compare Springfield Street Railway Emp. vs MESSIAH BAPTIST-JUBILEE
Cross-state Call Report peers for Springfield Street Railway…
Cross-state asset and health neighbours for Springfield Street Railway Emp. - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (41/100 here).
Using this data
- Springfield Street Railway Emp. ranks #4,331 of 4,374 nationally on financial health and #126 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Messiah Baptist-Jubilee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Messiah Baptist-Jubilee
- 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 Springfield Street Railway Emp. financially healthy?
A 20.82% net worth ratio and a 4.08% delinquency rate feed into Springfield Street Railway Emp.'s financial health score of 41/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,331 of 4,374; by total assets it ranks #4,223 of 4,374 nationally (same basis as /rankings/largest); and #126 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Springfield Street Railway Emp. compare to other credit unions?
On PlainCU's health composite, Springfield Street Railway Emp. lands at 41/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Springfield Street Railway Emp.?
Membership eligibility for Springfield Street Railway Emp. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Springfield Street Railway Emp. directly for current membership requirements and application steps.
Is my money safe at Springfield Street Railway Emp.?
Federal credit unions like Springfield Street Railway Emp. 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. Springfield Street Railway Emp.'s net worth ratio of 20.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Springfield Street Railway Emp. offer compared to banks?
Credit unions like Springfield Street Railway Emp. 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 Springfield Street Railway Emp. 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.