Federal credit union · Boston, Massachusetts · NCUA charter #18861
SYMPHONY
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $2.1M
- Total assets
- 212
- Members
- 9.0%
- Net-worth ratio
SYMPHONY scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.1M; members 212; net-worth ratio 9.05%; health rank #4,245 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,245 of 4,374 health · 2025Q4SYMPHONY · health 52/100 · $2.1M · 2025Q4
Call Report peers
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SYMPHONY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SYMPHONY sits in 50-54 with 82 others.
52 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SYMPHONY: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 91.02% here, 63.60% peer average (+27.42 pp).
- Delinquency Rate trails the peer set - 12.01% here, 1.81% peer average (+10.20 pp).
SYMPHONY in Massachusetts
- Health composite ranks #124 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #122 of 126.
- Member book place in Massachusetts: #125 of 126.
- One place up in Massachusetts, Dedham Town Employees (#123) scores 53/100, 1 point higher; one place down, ALLTRUST (#125) scores 45/100, 7 points lower.
Quarter path for SYMPHONY
SYMPHONY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $2.1M (2025Q4) to $2.1M (2026Q1).
- Net-worth ratio shifted +0.53 pp (8.52% → 9.05%).
At 9.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 52/100 score is built
SYMPHONY gives up 48 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio loses the least, 0.5.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 14.8 pts
SYMPHONY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.05% | -10.01 pp |
| Delinquency Rate | 12.01% | +10.20 pp |
| Return on Assets | -1.42% | -1.87 pp |
| Member Growth | 0.47% | - |
| Loan-to-Share Ratio | 91.02% | +27.42 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
SYMPHONY filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.1M | - |
| 2025Q4 | $2.1M | 212 |
| 2024Q4 | $2.1M | 211 |
| 2023Q4 | $1.7M | 259 |
Credit Union Details
- Charter Number
- 18861
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Boston
- Data Quarter
- 2025Q4
Branch Location
SYMPHONY operates a single office in Boston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Boston, 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.
SYMPHONY nationwide neighbourhoods
Similar health score
Using this data
- SYMPHONY ranks #4,245 of 4,374 nationally on financial health and #124 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Adams M E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Adams M E
Frequently Asked Questions
Is SYMPHONY financially healthy?
On its 2025Q4 NCUA 5300 filing, SYMPHONY scores 52/100 (Fair), with a 9.05% net worth ratio and 12.01% of loans delinquent. It ranks #4,245 of 4,374 nationally on health and #124 of 126 in Massachusetts.
How does SYMPHONY compare to other credit unions?
SYMPHONY scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (91.02% vs 63.60%). Its widest shortfall is delinquency rate (12.01% vs 1.81%).
How can I join SYMPHONY?
SYMPHONY 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 SYMPHONY directly for the exact boundaries and application steps.
Is my money safe at SYMPHONY?
SYMPHONY 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. SYMPHONY's net worth ratio of 9.05% 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.