State credit union · SPRINGFIELD, Massachusetts · NCUA charter #67965
Springfield Street Railway Emp.
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $1.1M
- Total assets
- 164
- Members
- 16.8%
- Net-worth ratio
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.
Springfield Street Railway Emp. - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)4
- Member growth0
- Liquidity (loan-to-share)66
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.84% | 30% |
| Delinquency Rate | 4.08% | 25% |
| Return on Assets | -0.43% | 15% |
| Member Growth | -8.89% | 15% |
| Loan-to-Share Ratio | 44.15% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| 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
What This Data Says About Springfield Street Railway Emp.
164 members and $1.1M in total assets sit behind Springfield Street Railway Emp., a state credit union in SPRINGFIELD, Massachusetts, which posts a health score of 41/100 (Below Average) on the five-factor composite, with $349K in outstanding loans as of Q4 2025 and a net worth ratio of 16.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #67965 in peer group Under $2M, a cohort of 243 similarly-sized institutions.
4.08% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Deposit deployment is captured by the 44.15% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -0.43% on net income of $-4606 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.89%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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–$10M50Health
- NORTH ADAMS M ENorth Adams, MA · $2M–$10M65Health
Compare Springfield Street Railway Emp. vs MESSIAH BAPTIST-JUBILEE
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Springfield Street Railway Emp. financially healthy?
A 16.84% 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. 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 16.84% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.