Federal credit union · Andover, Massachusetts · NCUA charter #16067
The Andovers
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $36.2M
- Total assets
- 2,167
- Members
- 13.1%
- Net-worth ratio
The Andovers scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.2M; members 2,167; net-worth ratio 13.06%; health rank #2,726 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,726 of 4,374 health · 2025Q4The Andovers · health 80/100 · $36.2M · 2025Q4
- NW 80/100
- DELQ 13.1%
- ROA 0.98%
- ASSETS 0.36%
- MEM $36.2M
- RANK 2,167
- PHOTO #2,726/4,374
- BOOK Members Choice
- CHARTER 16067
Call Report peers
The Andovers in the assets neighbourhood
The Andovers's $36.2M assets sit next to Members Choice ($36.3M) 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.
The Andovers 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
80 36th percentile higher than 36% 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
The Andovers - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16067. See our deposit-insurance coverage note.
The Andovers: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.17 pp (0.98% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 26.04% vs peer 59.80% (-33.76 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where The Andovers sits in Massachusetts
- Health composite ranks #79 of 126 among scored Massachusetts credit unions.
- Assets rank #78 of 126 inside Massachusetts ($36.2M reported).
- Massachusetts membership ordinal: #79 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.
The Andovers Call Report trajectory
The Andovers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $36.2M (2025Q4) to $36.5M (2026Q1).
- Net-worth ratio shifted +0.12 pp (12.94% → 13.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 12.9 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 8.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.06% | -1.80 pp |
| Delinquency Rate | 0.98% | -0.17 pp |
| Return on Assets | 0.36% | -0.35 pp |
| Member Growth | -0.14% | - |
| Loan-to-Share Ratio | 26.04% | -33.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - The Andovers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.5M | - |
| 2025Q4 | $36.2M | 2,167 |
| 2024Q4 | $35.9M | 2,170 |
| 2023Q4 | $37.6M | 2,227 |
Credit Union Details
- Charter Number
- 16067
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Andover
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, The Andovers runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Andover, MA |
| North Andover Location | North Andover, 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.
The Andovers nationwide neighbourhoods
The Andovers's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- The Andovers ranks #2,726 of 4,374 nationally on financial health and #79 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Anthony of Padua is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Anthony of Padua
- 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 The Andovers financially healthy?
A 13.06% net worth ratio and a 0.98% delinquency rate feed into The Andovers's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,726 of 4,374; by total assets it ranks #2,699 of 4,374 nationally (same basis as /rankings/largest); and #78 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does The Andovers compare to other credit unions?
PlainCU's health composite puts The Andovers at 80/100, 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 The Andovers?
The Andovers 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 The Andovers directly for the current list of qualifying groups.
Is my money safe at The Andovers?
Federal credit unions like The Andovers 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. The Andovers's net worth ratio of 13.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does The Andovers offer compared to banks?
Credit unions like The Andovers 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 The Andovers 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.