Federal credit union · Hadley, Massachusetts · NCUA charter #18181
Umassfive College
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $703.5M
- Total assets
- 50,733
- Members
- 9.5%
- Net-worth ratio
Umassfive College scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $703.5M; members 50,733; net-worth ratio 9.50%; health rank #1,855 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,855 of 4,374 health · 2025Q4Umassfive College · health 86/100 · $703.5M · 2025Q4
- MEM 86/100
- RANK 9.5%
- PHOTO 0.92%
- BOOK 0.24%
- CHARTER $703.5M
- NCUSIF 50,733
- CAMELS #1,855/4,374
- HEALTH We Florida Financial
- NW 18181
Call Report peers
Umassfive College in the assets neighbourhood
Umassfive College's $703.5M assets sit next to We Florida Financial ($702.0M) 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.
Umassfive College 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
86 Top 43% higher than 57% 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
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.
Where Umassfive College diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +2.87 pp (86.77% vs 83.90%).
- Net Worth Ratio trails the peer set - 9.50% here, 11.18% peer average (-1.68 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Umassfive College: in-state Call Report ranks
- In Massachusetts, health place is #57 of 126 on the same NCUA-ratio sort used nationally.
- Assets rank #23 of 126 inside Massachusetts ($703.5M reported).
- Massachusetts membership ordinal: #14 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.
Umassfive College: 2025Q4 → 2026Q1
Umassfive College: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $703.5M (2025Q4) to $712.5M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.45% → 9.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 20.8 pts
- Return on Assets 11.0 pts
- Member Growth 10.7 pts
- Loan-to-Share Ratio 14.7 pts
Umassfive College vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.50% | -1.68 pp |
| Delinquency Rate | 0.92% | +0.05 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 1.45% | - |
| Loan-to-Share Ratio | 86.77% | +2.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Umassfive College filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $712.5M | - |
| 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
Branch Locations (6)
Umassfive College operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hadley Branch (Main Office) | Hadley, MA |
| UMass Amherst Branch | Amherst, MA |
| Northampton VA | Leeds, MA |
| Northampton Branch | Northampton, MA |
| Mercy Medical Center Branch | Springfield, MA |
| Worcester Branch | Worcester, 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 Umassfive College
Umassfive College's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($703.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Umassfive College ranks #1,855 of 4,374 nationally on financial health and #57 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Citizens' is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Citizens'
- 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 Umassfive College financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Umassfive College's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,855 of 4,374; by total assets it ranks #615 of 4,374 nationally (same basis as /rankings/largest); and #23 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.50% 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 86/100, 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 9.50% 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.
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.