State credit union · Boston, Massachusetts · NCUA charter #68349
Tremont
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $261.5M
- Total assets
- 12,800
- Members
- 10.2%
- Net-worth ratio
Tremont - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68349: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tremont - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)60
- Earnings (ROA)15
- Member growth17
- Liquidity (loan-to-share)100
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.23% | 30% |
| Delinquency Rate | 1.67% | 25% |
| Return on Assets | -0.25% | 15% |
| Member Growth | -3.59% | 15% |
| Loan-to-Share Ratio | 78.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $261.5M | 12,800 |
| 2024Q4 | $260.5M | 13,276 |
| 2023Q4 | $261.1M | 13,886 |
Credit Union Details
- Charter Number
- 68349
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Boston
- Data Quarter
- 2025Q4
What This Data Says About Tremont
Headquartered in Boston, Massachusetts, Tremont is a state credit union with 12,800 members, $261.5M in total assets, and $172.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 65/100 (Good), driven in part by a net worth ratio of 10.23% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68349 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.67% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 78.22% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.25% on net income of $-642934 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 -3.59%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match 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 Tremont financially healthy?
A 10.23% net worth ratio and a 1.67% delinquency rate feed into Tremont's financial health score of 65/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Tremont compare to other credit unions?
Five weighted metrics from NCUA filings produce Tremont's 65/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Tremont?
Membership eligibility for Tremont depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tremont directly for current membership requirements and application steps.
Is my money safe at Tremont?
Federal credit unions like Tremont 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. Tremont's net worth ratio of 10.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tremont offer compared to banks?
Credit unions like Tremont 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 Tremont 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.