Federal credit union · South Boston, Massachusetts · NCUA charter #23803
Taupa Lithuanian
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $28.6M
- Total assets
- 1,778
- Members
- 3.9%
- Net-worth ratio
Taupa Lithuanian - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #23803 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Taupa Lithuanian - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)33
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth61
- Liquidity (loan-to-share)31
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
3.95% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.95% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | 0.17% | 15% |
| Loan-to-Share Ratio | 115.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $28.6M | 1,778 |
| 2024Q4 | $27.3M | 1,775 |
| 2023Q4 | $26.3M | 1,745 |
Credit Union Details
- Charter Number
- 23803
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- South Boston
- Data Quarter
- 2025Q4
What This Data Says About Taupa Lithuanian
1,778 members and $28.6M in total assets sit behind Taupa Lithuanian, a federal credit union in South Boston, Massachusetts, which posts a health score of 59/100 (Fair) on the five-factor composite, with $25.7M in outstanding loans as of Q4 2025 and a net worth ratio of 3.95% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #23803 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.07% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 115.61% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.17% on net income of $49K 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 0.17%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Association/Group) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
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 Taupa Lithuanian financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Taupa Lithuanian carries a financial health score of 59/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 3.95% net worth ratio and a 0.07% delinquency rate.
How does Taupa Lithuanian compare to other credit unions?
PlainCU's health composite puts Taupa Lithuanian at 59/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Taupa Lithuanian?
Taupa Lithuanian serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Taupa Lithuanian directly for the current list of qualifying groups.
Is my money safe at Taupa Lithuanian?
Federal credit unions like Taupa Lithuanian 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. Taupa Lithuanian's net worth ratio of 3.95% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Taupa Lithuanian offer compared to banks?
Credit unions like Taupa Lithuanian 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 Taupa Lithuanian 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.