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Massachusetts Credit Union Performance
How the 122 credit unions based in Massachusetts are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Massachusetts's 122 credit unions serve 2,250,082 members and hold $44.07B in combined assets. The median Massachusetts credit union earned a 0.56% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Massachusetts credit unions was -1.03%, compared with -0.55% nationally. Median one-year asset growth was 2.33%, compared with 2.78% nationally. So far this year, one Massachusetts credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Massachusetts at a glance
Massachusetts vs. the United States
System totals are the sum of every credit union based in Massachusetts. The share column is Massachusetts's portion of the national figure.
| Measure | Massachusetts | United States | Massachusetts share |
|---|---|---|---|
| Credit unions | 122 | 4,335 | 2.8% |
| Members | 2,250,082 | 147,031,529 | 1.5% |
| Residents (population) | 7,136,171 | 340,110,988 | 2.1% |
| Total assets | $44.07B | $2,507.50B | 1.8% |
| Total loans | $32.89B | $1,744.86B | 1.9% |
| Total shares & deposits | $36.46B | $2,143.21B | 1.7% |
| Total net worth | $4.94B | $282.23B | 1.7% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Massachusetts credit unions report about 32 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Massachusetts credit unions serve members in other states, so it overstates true in-state penetration.)
The median Massachusetts credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Massachusetts CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.56% | 0.66% |
| Net worth ratio | 11.95% | 12.44% |
| Loan-to-share ratio | 73.94% | 67.86% |
| Delinquency ratio | 0.42% | 0.63% |
| Net charge-off ratio | 0.09% | 0.33% |
| Cost of funds | 1.20% | 1.05% |
| Member growth (1 yr) | -1.03% | -0.55% |
| Asset growth (1 yr) | 2.33% | 2.78% |
| Loan growth (1 yr) | 0.44% | 0.63% |
| Share growth (1 yr) | 2.50% | 2.36% |
| Net worth growth (1 yr) | 4.69% | 5.57% |
Trends over time
The median Massachusetts credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.56% · 0.72%
— Massachusetts ‑‑ U.S.
Net worth ratio 11.85% · 12.46%
— Massachusetts ‑‑ U.S.
Loan-to-share ratio 76.40% · 69.70%
— Massachusetts ‑‑ U.S.
Delinquency ratio 0.54% · 0.72%
— Massachusetts ‑‑ U.S.
Asset growth (1 yr) 2.82% · 3.26%
— Massachusetts ‑‑ U.S.
Member growth (1 yr) -0.75% · -0.52%
— Massachusetts ‑‑ U.S.
Massachusetts leaderboards
Largest by assets
- 1 Rockland Credit Union $3.74B
- 2 Metro Credit Union $3.30B
- 3 Workers' Credit Union $2.51B
- 4 Merrimack Valley Credit Union $2.39B
- 5 Hanscom Credit Union $2.19B
- 6 Jeanne D'Arc Credit Union $2.19B
- 7 Greylock Credit Union $1.71B
- 8 Webster First Credit Union $1.50B
- 9 Sharon & Crescent United Credit Union $1.41B
- 10 St. Anne's of Fall River Credit Union $1.35B
Highest return on assets
- 1 Springfield Mass. Municipal Emp. Credit Union 1.86%
- 2 Webster First Credit Union 1.74%
- 3 Somerville Municipal Credit Union 1.15%
- 4 Franklin First Credit Union 1.15%
- 5 Brookline Municipal Credit Union 1.13%
- 6 Tewksbury M.E. Credit Union 1.08%
- 7 Sharon & Crescent United Credit Union 0.99%
- 8 New England Teamsters Credit Union 0.99%
- 9 Taunton Credit Union 0.95%
- 10 Westport Credit Union 0.94%
Fastest-growing (organic)
- 1 Hanscom Credit Union 19.07%
- 2 General Electric River Works Empl. Credit Union 11.44%
- 3 Gardner Franco-American Credit Union 10.40%
- 4 Westport Credit Union 9.70%
- 5 Sharon & Crescent United Credit Union 9.04%
- 6 Somerset Credit Union 8.10%
- 7 Shrewsbury Credit Union 7.79%
- 8 Taunton Credit Union 7.21%
- 9 MassMutual Credit Union 6.64%
- 10 Framingham Municipal Credit Union 5.87%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Massachusetts that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.