State overview · Q4 2025

Massachusetts Credit Unions

All 126 federally-insured credit unions in Massachusetts, ranked by financial health, from NCUA 5300 Call Reports.

Compiled by PlainCU Editorial, Credit Unions Editorial Team · May 16, 2026

126
Credit unions: 3.4M
Members: $56.8B
Combined assets: 80/100
Avg health

Health-score distribution

How Massachusetts's 126 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

All Credit Unions in Massachusetts

Credit Union	Health	Assets	Members	Net Worth %
Tewksbury Tewksbury	99	$93M	6K	10.8%
Somerset Somerset	98	$259M	12K	11.0%
Danvers Municipal Danvers	97	$8M	1K	35.9%
Lynn Firemens Lynn	97	$20M	2K	15.5%
Luso-american Peabody	95	$123M	9K	14.2%
Morton taunton	95	$10M	1K	12.1%
Quincy Quincy	95	$731M	39K	14.1%
Stoughton Town Employees Stoughton	95	$2M	477	12.2%
Worcester Police Department Worcester	95	$25M	1K	10.8%
Cambridge Firefighters Cambridge	94	$14M	864	25.0%
First Priority BOSTON	94	$143M	6K	8.5%
Mills42 Lowell	94	$31M	3K	11.6%
New England Lee Boston	94	$3M	256	36.0%
St. Mary's MARLBOROUGH	94	$1.0B	58K	11.4%
Greater Springfield SPRINGFIELD	93	$227M	11K	18.2%
Norfolk Community Norfolk	93	$34M	4K	10.6%
Pioneer Valley Springfield	93	$160M	12K	11.5%
Belmont Municipal BELMONT	92	$4M	385	21.4%
Holyoke Holyoke	92	$297M	21K	8.9%
Rockland Rockland	92	$3.5B	206K	10.8%
Somerville Mass Firefighters SOMERVILLE	92	$8M	284	16.2%
Marblehead Municipal Marblehead	91	$13M	1K	14.1%
Billerica Municipal Employees BILLERICA	90	$24M	1K	16.1%
Boston Firefighters Dorchester	90	$440M	12K	12.5%
Brotherhood Lynn	90	$126M	5K	41.7%
Chelsea Employees Chelsea	90	$21M	2K	7.8%
Mass. Institute of Tech. Lexington	90	$743M	35K	9.6%
Polish National Chicopee	90	$759M	29K	12.3%
Southcoast New Bedford	90	$60M	4K	10.1%
Watertown Municipal WATERTOWN	90	$10M	686	32.8%
Allcom Worcester	89	$83M	4K	14.5%
Central One Shrewsbury	89	$858M	39K	9.5%
Hanscom Hanscom AFB	89	$2.2B	106K	9.9%
Boston Customs Boston	88	$2M	354	12.8%
Htm Haverhill	88	$29M	2K	12.0%
Rah RANDOLPH	88	$23M	2K	9.1%
St. Anne's Fall River	88	$1.4B	62K	9.2%
600 Atlantic BOSTON	87	$39M	1K	12.2%
Cambridge Municipal Employees Cambridge	87	$10M	1K	19.8%
Franklin First Greenfield	87	$86M	7K	8.5%
Leominster Employees LEOMINSTER	87	$28M	2K	10.6%
Lynn Police Lynn	87	$11M	1K	26.4%
Malden Malden	87	$29M	2K	14.8%
Methuen Methuen	87	$39M	3K	9.1%
Millbury Millbury	87	$475M	30K	9.4%
Nesc METHUEN	87	$121M	8K	9.0%
New Bedford New Bedford	87	$167M	11K	9.8%
Shrewsbury SHREWSBURY	87	$246M	10K	7.9%
Somerville Municipal Somerville	87	$51M	2K	16.3%
Alpha Boston	86	$35M	4K	16.5%
Brookline Municipal BROOKLINE	86	$49M	2K	13.3%
Digital Marlborough	86	$13.1B	1.2M	9.7%
River Works Lynn	86	$185M	5K	9.3%
Umassfive College Hadley	85	$704M	51K	9.2%
Beverly Municipal Beverly	84	$27M	2K	6.9%
First Citizens' FAIRHAVEN	84	$684M	43K	18.7%
Messiah Baptist-jubilee Brockton	84	$1M	234	20.7%
Lowell Firefighters LOWELL	83	$27M	2K	10.7%
Lowell Municipal Employees Lowell	83	$8M	1K	6.8%
Manchester Manchester	83	$1M	297	12.5%
Southbridge Southbridge	83	$236M	11K	10.7%
Worcester Worcester	83	$105M	6K	11.5%
Fall River Municipal Fall River	82	$315M	13K	9.4%
Gfa Gardner	82	$760M	33K	9.1%
Greylock Pittsfield	82	$1.7B	106K	11.1%
Metro Chelsea	82	$3.3B	213K	8.6%
All One Leominster	81	$869M	37K	8.6%
Lynn Teachers LYNN	81	$5M	669	20.5%
St. Anthony of Padua Fall River	81	$37M	2K	16.8%
Goldmark Attleboro	80	$49M	3K	8.2%
Haverhill Fire Department Haverhill	80	$27M	1K	9.6%
Revere Firefighters Revere	80	$5M	232	14.9%
St. Jean's lynn	80	$379M	18K	7.3%
St. Michaels Fall River Fall River	80	$123M	3K	8.3%
The Andovers Andover	80	$36M	2K	11.4%
Westport Westport	80	$81M	6K	9.5%
Attleboro M E Attleboro	79	$25M	2K	12.8%
Energy West Roxbury	79	$124M	6K	14.3%
Middlesex-essex Postal Employees NORTH READING	79	$5M	632	34.2%
Sharon & Crescent United SHARON	79	$1.4B	70K	7.9%
Worcester Fire Dept. WORCESTER	79	$48M	2K	10.9%
Freedom SPRINGFIELD	78	$752M	32K	13.9%
Liberty Bay Braintree	78	$820M	22K	14.5%
Santo Christo FALL RIVER	78	$18M	2K	7.3%
Taunton Taunton	78	$426M	19K	8.5%
Burlington Municipal Employees BURLINGTON	77	$11M	1K	14.2%
Health Alliance SOMERVILLE	77	$6M	1K	15.6%
Massachusetts Family LYNN	77	$30M	1K	15.1%
Jeanne D'arc LOWELL	76	$2.2B	101K	7.8%
Massmutual SPRINGFIELD	76	$324M	14K	11.9%
Arlington Municipal ARLINGTON	75	$9M	919	29.8%
Arrha Springfield	75	$160M	10K	7.0%
Harvard Cambridge	75	$1.2B	58K	8.4%
Luso Ludlow	75	$239M	8K	11.1%
M.o.s.e.s. Boston	75	$2M	272	17.4%
Common Trust Woburn	74	$97M	5K	5.4%
Mass Bay SOUTH BOSTON	74	$362M	18K	11.1%
Medford Municipal Employees MEDFORD	74	$7M	761	23.3%
Brightbridge LAWRENCE	72	$2.2B	114K	4.9%
Webster First Worcester	72	$1.5B	85K	18.1%
Cranberry West Wareham	71	$62M	3K	8.3%
Naveo SOMERVILLE	71	$172M	7K	7.4%
New England Teamsters Charlestown	71	$73M	4K	12.6%
I-c FITCHBURG	70	$548M	37K	8.9%
Metrowest Community Framingham	70	$142M	7K	7.6%
Homefield NORTH GRAFTON	69	$172M	7K	9.9%
Norwood Town Employees Norwood	69	$6M	780	25.8%
Stoneham Municipal Employees Stoneham	68	$70M	4K	10.1%
Alden Chicopee	65	$190M	13K	8.8%
Athol Athol	65	$98M	6K	7.0%
Members Plus Medford	65	$341M	14K	6.6%
North Adams M E North Adams	65	$2M	332	16.7%
Tremont Boston	65	$262M	13K	10.2%
Mycom Pittsfield	64	$26M	3K	13.0%
Direct Needham	61	$786M	23K	11.4%
Notre Dame Community FALL RIVER	61	$56M	3K	13.2%
Align Lowell	59	$647M	27K	8.9%
Taupa Lithuanian South Boston	59	$29M	2K	3.9%
Somerville School Employees Somerville	56	$23M	1K	2.6%
City of Boston South Boston	52	$559M	31K	8.1%
Dedham Town Employees DEDHAM	52	$9M	1K	9.8%
Community Credit Union of Lynn LYNN	50	$181M	6K	5.6%
Symphony Boston	50	$2M	212	8.5%
Alltrust Fairhaven	44	$293M	12K	8.0%
Springfield Street Railway Emp. SPRINGFIELD	41	$1M	164	16.8%
Workers Littleton	41	$2.5B	120K	4.1%

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.

What This Data Says About Credit Unions in Massachusetts

Massachusetts is home to 126 federally-insured credit unions collectively serving 3.4M members with $56.8B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 80/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Tewksbury of Tewksbury currently leads the cohort with a health score of 99/100, while the full distribution spans 126 institutions ranked below.

The health distribution breaks into four bands: 76 credit unions score 80–100 (Excellent), 40 score 60–79 (Good), 10 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Massachusetts's 126 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Explore more: Healthiest credit unions · Largest by assets · How health scores work

Frequently Asked Questions

How many credit unions are in Massachusetts?

There are 126 federally-insured credit unions in Massachusetts as of Q4 2025, with a combined 3.4M members and $56.8B in total assets. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Massachusetts?

Based on NCUA Q4 2025 data, Tewksbury in Tewksbury ranks highest in Massachusetts with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Read our methodology - how this data is sourced, computed, and verified.