Federal credit union · Fall River, Massachusetts · NCUA charter #8915
St. Michaels Fall River
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $123.1M
- Total assets
- 3,220
- Members
- 8.8%
- Net-worth ratio
St. Michaels Fall River scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $123.1M; members 3,220; net-worth ratio 8.81%; health rank #2,654 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,654 of 4,374 health · 2025Q4St. Michaels Fall River · health 81/100 · $123.1M · 2025Q4
- BOOK 81/100
- CHARTER 8.8%
- NCUSIF 1.40%
- CAMELS 0.40%
- HEALTH $123.1M
- NW 3,220
- DELQ #2,654/4,374
- ROA Missouri Central
- ASSETS 8915
Call Report peers
St. Michaels Fall River in the assets neighbourhood
St. Michaels Fall River's $123.1M assets sit next to Missouri Central ($123.2M) 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.
St. Michaels Fall River 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
81 39th percentile higher than 39% 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
St. Michaels Fall River - Share Insurance Coverage
Charter #8915'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.
St. Michaels Fall River vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 94.57% here, 72.20% peer average (+22.37 pp).
- Net Worth Ratio trails the peer set - 8.81% here, 12.11% peer average (-3.30 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Michaels Fall River in Massachusetts
- Massachusetts health ordinal: #76 of 126.
- By total assets, St. Michaels Fall River is #57 of 126 in Massachusetts.
- Member book place in Massachusetts: #71 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
St. Michaels Fall River: 2025Q4 → 2026Q1
St. Michaels Fall River: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $123.1M (2025Q4) to $123.6M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.87% → 8.81%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 27.0 pts
- Delinquency Rate 17.0 pts
- Return on Assets 13.5 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.81% | -3.30 pp |
| Delinquency Rate | 1.40% | +0.51 pp |
| Return on Assets | 0.40% | -0.22 pp |
| Member Growth | 1.61% | - |
| Loan-to-Share Ratio | 94.57% | +22.37 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 - St. Michaels Fall River
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $123.6M | - |
| 2025Q4 | $123.1M | 3,220 |
| 2024Q4 | $118.5M | 3,169 |
| 2023Q4 | $109.7M | 3,346 |
Credit Union Details
- Charter Number
- 8915
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Fall River
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, St. Michaels Fall River runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| St. Michael's (Fall River) Federal Credit Union (Main Office) | Fall River, MA |
| St. Michael's (FR) FCU | Somerset, 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.
St. Michaels Fall River nationwide neighbourhoods
St. Michaels Fall River's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($123.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- St. Michaels Fall River ranks #2,654 of 4,374 nationally on financial health and #76 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LUSO-AMERICAN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LUSO-AMERICAN
- 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 St. Michaels Fall River financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, St. Michaels Fall River carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,654 of 4,374; by total assets it ranks #1,654 of 4,374 nationally (same basis as /rankings/largest); and #57 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.81% net worth ratio and a 1.40% delinquency rate.
How does St. Michaels Fall River compare to other credit unions?
81/100 is St. Michaels Fall River's score on PlainCU's health composite, compared to a peer group average for $100M–$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 St. Michaels Fall River?
St. Michaels Fall River 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 St. Michaels Fall River directly for the exact boundaries and application steps.
Is my money safe at St. Michaels Fall River?
Federal credit unions like St. Michaels Fall River 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. St. Michaels Fall River's net worth ratio of 8.81% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Michaels Fall River offer compared to banks?
Credit unions like St. Michaels Fall River 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 St. Michaels Fall River 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.