Federal credit union · Hadley, Massachusetts · NCUA charter #18181
Umassfive College
Health score 85/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $703.5M
- Total assets
- 50,733
- Members
- 9.2%
- Net-worth ratio
Umassfive College - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #18181: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Umassfive College - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)93
- Asset quality (delinquency)83
- Earnings (ROA)74
- Member growth72
- Liquidity (loan-to-share)100
Weighted composite: 85/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.17% | 30% |
| Delinquency Rate | 0.92% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | 1.45% | 15% |
| Loan-to-Share Ratio | 86.77% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $703.5M | 50,733 |
| 2024Q4 | $696.8M | 50,008 |
| 2023Q4 | $700.8M | 49,136 |
Credit Union Details
- Charter Number
- 18181
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Massachusetts
- City
- Hadley
- Data Quarter
- 2025Q4
What This Data Says About Umassfive College
Umassfive College is a federal credit union headquartered in Hadley, Massachusetts, serving 50,733 members with $703.5M in total assets and $543.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 85/100 (Excellent), anchored by a net worth ratio of 9.17% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #18181 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
Deposits deployed into lending sit at a 86.77% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.92% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 0.24% on net income of $1.7M 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 1.45%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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 Umassfive College financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Umassfive College's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.17% net worth ratio and 0.92% delinquency rate are the key drivers.
How does Umassfive College compare to other credit unions?
On PlainCU's health composite, Umassfive College lands at 85/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 Umassfive College?
Umassfive College 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 Umassfive College directly for the exact boundaries and application steps.
Is my money safe at Umassfive College?
Federal credit unions like Umassfive College 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. Umassfive College's net worth ratio of 9.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Umassfive College offer compared to banks?
Credit unions like Umassfive College 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 Umassfive College 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.