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
Call Report peers
St. Michaels Fall River in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); St. Michaels Fall River sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Massachusetts, Lynn Teachers (#75) ties at 81/100; one place down, Santo Christo (#77) ties at 81/100.
St. Michaels Fall River: 2025Q4 → 2026Q1
St. Michaels Fall River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $123.1M (2025Q4) to $123.6M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.87% → 8.81%).
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
St. Michaels Fall River gives up 19 points in total. Delinquency Rate costs the most, 8 of its 25; Return on Assets loses the least, 1.5.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is St. Michaels Fall River financially healthy?
St. Michaels Fall River has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,654 of 4,374 nationally on health and #76 of 126 in Massachusetts. Its net worth ratio is 8.81% and its delinquency rate 1.40%.
How does St. Michaels Fall River compare to other credit unions?
St. Michaels Fall River scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (94.57% vs 72.20%). Its widest shortfall is net worth ratio (8.81% vs 12.11%).
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?
St. Michaels Fall River is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.