State overview · Q4 2025

Massachusetts Credit Unions

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

126
Credit unions
3.4M
Members
$56.8B
Combined assets
82/100
Avg health
126 CUs · avg health 82/100

Massachusetts has 126 federally insured credit unions averaging 82/100 health on NCUA 5300 Call Report aggregates. Combined assets $56.8B; 81 score Excellent (80+). State leader: TEWKSBURY at 99/100.

  • Mean delinquency rank #13 of 52 (lower DQ better)
  • Mean ROA rank #27 of 52
  • Data vintage 2026-09-06

Massachusetts vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

126 11th of 54 higher than 43 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

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

Excellent (80–100)81 CUsGood (60–79)38 CUsFair (40–59)7 CUsWeak (<40)0 CUs

Massachusetts Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 126 federally insured credit unions in Massachusetts, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.90%
National rank #13 of 52 · lower DQ better
Mean ROA
0.56%
National rank #27 of 52
Mean loan-to-share
73.5%
Mean net worth 14.3% · well-capitalized (≥7%) 99.2%
Largest CU share of state assets
23.0%
Dispersed book, largest charter holds under 25% of combined Massachusetts CU assets · concentration rank #25 of 52 (lower share = more dispersed) · largest by assets on this board: DIGITAL

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Massachusetts is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Massachusetts vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Massachusetts highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Massachusetts vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%MA - 14.25%, 0.901%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Massachusetts highlighted.

All Credit Unions in Massachusetts

Credit Union Health
TEWKSBURY Tewksbury 99
First Priority BOSTON 98
SOMERSET Somerset 98
Danvers Municipal Danvers 97
Lynn Firemens Lynn 97
LUSO-AMERICAN Peabody 95
MORTON taunton 95
QUINCY Quincy 95
Stoughton Town Employees Stoughton 95
Worcester Police Department Worcester 95
Cambridge Firefighters Cambridge 94
MILLS42 Lowell 94
New England Lee Boston 94
St. Mary's MARLBOROUGH 94
Greater Springfield SPRINGFIELD 93
Norfolk Community Norfolk 93
Pioneer Valley Springfield 93
Belmont Municipal BELMONT 92
Chelsea Employees Chelsea 92
HOLYOKE Holyoke 92
ROCKLAND Rockland 92
Somerville Mass Firefighters SOMERVILLE 92
Marblehead Municipal Marblehead 91
Billerica Municipal Employees BILLERICA 90
Boston Firefighters Dorchester 90
BRIGHTBRIDGE LAWRENCE 90
BROTHERHOOD Lynn 90
HANSCOM Hanscom AFB 90
Mass. Institute of Tech. Lexington 90
NESC METHUEN 90
Polish National Chicopee 90
RAH RANDOLPH 90
SOUTHCOAST New Bedford 90
Watertown Municipal WATERTOWN 90
ALLCOM Worcester 89
Central One Shrewsbury 89
Common Trust Woburn 89
METHUEN Methuen 89
St. Anne's Fall River 89
Beverly Municipal Beverly 88
Boston Customs Boston 88
HTM Haverhill 88
SHREWSBURY SHREWSBURY 88
600 Atlantic BOSTON 87
Cambridge Municipal Employees Cambridge 87
DIGITAL Marlborough 87
Franklin First Greenfield 87
Leominster Employees LEOMINSTER 87
Lynn Police Lynn 87
MALDEN Malden 87
MILLBURY Millbury 87
New Bedford New Bedford 87
Somerville Municipal Somerville 87
ALPHA Boston 86
Brookline Municipal BROOKLINE 86
Lowell Municipal Employees Lowell 86
River Works Lynn 86
St. Jean's lynn 86
Umassfive College Hadley 86
GOLDMARK Attleboro 85
First Citizens' FAIRHAVEN 84
Messiah Baptist-Jubilee Brockton 84
METRO Chelsea 84
Sharon & Crescent United SHARON 84
Fall River Municipal Fall River 83
Lowell Firefighters LOWELL 83
MANCHESTER Manchester 83
SOUTHBRIDGE Southbridge 83
WORCESTER Worcester 83
All One Leominster 82
GFA Gardner 82
GREYLOCK Pittsfield 82
TAUNTON Taunton 82
Lynn Teachers LYNN 81
Santo Christo FALL RIVER 81
St. Anthony of Padua Fall River 81
St. Michaels Fall River Fall River 81
Haverhill Fire Department Haverhill 80
Revere Firefighters Revere 80
The Andovers Andover 80
WESTPORT Westport 80
Attleboro M E Attleboro 79
ENERGY West Roxbury 79
Jeanne D'arc LOWELL 79
Middlesex-Essex Postal Employees NORTH READING 79
Somerville School Employees Somerville 79
Worcester Fire Dept. WORCESTER 79
FREEDOM SPRINGFIELD 78
Liberty Bay Braintree 78
Taupa Lithuanian South Boston 78
Burlington Municipal Employees BURLINGTON 77
Health Alliance SOMERVILLE 77
Massachusetts Family LYNN 77
HARVARD Cambridge 76
MASSMUTUAL SPRINGFIELD 76
Members Plus Medford 76
Arlington Municipal ARLINGTON 75
ARRHA Springfield 75
LUSO Ludlow 75
M.O.S.E.S. Boston 75
Mass Bay SOUTH BOSTON 74
Medford Municipal Employees MEDFORD 74
NAVEO SOMERVILLE 74
Metrowest Community Framingham 73
Webster First Worcester 72
CRANBERRY West Wareham 71
I-C FITCHBURG 71
New England Teamsters Charlestown 71
ATHOL Athol 70
HOMEFIELD NORTH GRAFTON 69
Norwood Town Employees Norwood 69
Stoneham Municipal Employees Stoneham 68
ALDEN Chicopee 65
North Adams M E North Adams 65
TREMONT Boston 65
MYCOM Pittsfield 64
DIRECT Needham 61
Notre Dame Community FALL RIVER 61
WORKERS Littleton 61
ALIGN Lowell 59
Community Credit Union of Lynn LYNN 58
City of Boston South Boston 54
Dedham Town Employees DEDHAM 53
SYMPHONY Boston 52
ALLTRUST Fairhaven 45
Springfield Street Railway Emp. SPRINGFIELD 41

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 82/100 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: 81 credit unions score 80–100 (Excellent), 38 score 60–79 (Good), 7 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.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Massachusetts: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($56.8B here).

Ohio $49.7B Indiana $48.4B Utah $66.0B Tennessee $47.3B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (126 here).

New Jersey 127 CUs Louisiana 138 CUs Florida 109 CUs Wisconsin 100 CUs

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. That places Massachusetts at #13 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Massachusetts ranks #27 of 54. 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.

Using Massachusetts's data

  • TEWKSBURY in Tewksbury is the healthiest scored credit union in Massachusetts at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Massachusetts's credit unions rank #13 of 52 nationally on delinquency rate (among the lowest) and #27 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Massachusetts ranks #27 of 54 by average health score and #13 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

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