State credit union · Boston, Massachusetts · NCUA charter #68349
TREMONT
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $261.5M
- Total assets
- 12,800
- Members
- 10.5%
- Net-worth ratio
TREMONT scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $261.5M; members 12,800; net-worth ratio 10.49%; health rank #3,877 of 4,374; healthier than 11th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,877 of 4,374 health · 2025Q4TREMONT · health 65/100 · $261.5M · 2025Q4
- NW 65/100
- DELQ 10.5%
- ROA 1.67%
- ASSETS -0.25%
- MEM $261.5M
- RANK 12,800
- PHOTO #3,877/4,374
- BOOK Energy Capital
- CHARTER 68349
Call Report peers
TREMONT in the assets neighbourhood
TREMONT's $261.5M assets sit next to Energy Capital ($261.5M) 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.
TREMONT 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
65 11th percentile higher than 11% 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
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.
Peer-gap read for TREMONT
- Loan-to-Share Ratio leads the peer set - 78.22% here, 72.20% peer average (+6.02 pp).
- Net Worth Ratio trails the peer set - 10.49% here, 12.11% peer average (-1.62 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
TREMONT: in-state Call Report ranks
- Massachusetts health ordinal: #114 of 126.
- Massachusetts assets place: #38 of 126.
- Membership ranks #37 of 126 among Massachusetts CUs with a reported count (12,800 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How TREMONT's 5300 filing moved
TREMONT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $261.5M (2025Q4) to $258.7M (2026Q1).
- Net-worth ratio shifted +0.15 pp (10.34% → 10.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 2.3 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 15.2 pts
TREMONT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -1.62 pp |
| Delinquency Rate | 1.67% | +0.77 pp |
| Return on Assets | -0.25% | -0.87 pp |
| Member Growth | -3.59% | - |
| Loan-to-Share Ratio | 78.22% | +6.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - TREMONT
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $258.7M | - |
| 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
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for TREMONT, spread across 3 cities.
| Office | City |
|---|---|
| Executive Offices and Operations Center (Main Office) | Milton, MA |
| BTU Branch | Dorchester, MA |
| Milton Branch | Milton, MA |
| Roslindale Branch | Roslindale, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Cross-state Call Report peers for TREMONT
TREMONT's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($261.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- TREMONT ranks #3,877 of 4,374 nationally on financial health and #114 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOMERSET is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOMERSET
- 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 TREMONT financially healthy?
A 10.49% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,877 of 4,374; by total assets it ranks #1,107 of 4,374 nationally (same basis as /rankings/largest); and #38 of 126 within Massachusetts. 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 10.49% 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.
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.