TellerScore

Headquartered in Springfield, Massachusetts, Greater Springfield Credit Union is a federally insured state-chartered credit union with $230.3M in total assets and $188.5M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1927.

Based on its Q2 2026 filing, Greater Springfield Credit Union scores 94/100, which we describe as very strong. That is higher than 98% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 4th. Its strongest component is capital cushion (100/100; 19.74%), and its lowest is loan quality (85/100; 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.74%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.45%
Earnings92/100
Return on assets (annualized): 1.79%
Funding & liquidity99/100
Loans ÷ shares: 61.6% · 12.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.14%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (88 → 94), mostly because the earnings component improved by 28 points.

TellerScore
849299Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202487
Q4 202484
Q1 202586
Q2 202588
Q3 202590
Q4 202590
Q1 202699
Q2 202694
Net worth ratio
7.00%13.37%19.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.81%
Q3 202417.03%
Q4 202417.29%
Q1 202516.97%
Q2 202517.66%
Q3 202518.42%
Q4 202519.13%
Q1 202619.52%
Q2 202619.74%
Delinquent loans (60+ days)
0.01%0.47%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.70%
Q4 20240.94%
Q1 20250.59%
Q2 20250.53%
Q3 20250.41%
Q4 20250.56%
Q1 20260.01%
Q2 20260.45%
Return on assets
0.92%1.41%1.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.13%
Q4 20241.05%
Q1 20250.92%
Q2 20251.10%
Q3 20251.19%
Q4 20251.34%
Q1 20261.91%
Q2 20261.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$230.3M19.74%0.45%1.79%61.6%
Q1 202699$227.8M19.52%0.01%1.91%60.2%
Q4 202590$226.8M19.13%0.56%1.34%59.8%
Q3 202590$230.2M18.42%0.41%1.19%57.8%
Q2 202588$235.8M17.66%0.53%1.10%55.4%
Q1 202586$241.1M16.97%0.59%0.92%53.9%
Q4 202484$233.4M17.29%0.94%1.05%55.3%
Q3 202487$234.2M17.03%0.70%1.13%55.2%
Q2 202490$233.2M16.81%0.32%1.13%54.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio19.74%
97th
Problem loans0.45%
70th
Net charge-offs0.03%
94th
Return on assets1.79%
94th
Loans to deposits61.6%
75th
Uninsured deposits12.2%
10th
Loan-loss reserves0.00%
50th
Texas ratio1.1%
88th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Southbridge Credit UnionCredit union Southbridge, MA68 out of 100, Moderate$242.4M10.6%0.23%vs
Luso Federal Credit UnionCredit union Ludlow, MA61 out of 100, Moderate$244.6M11.1%1.10%vs
Shrewsbury Federal Credit UnionCredit union Shrewsbury, MA69 out of 100, Moderate$249.4M8.7%0.35%vs
Tremont Credit UnionCredit union Boston, MA55 out of 100, Moderate$256.5M10.6%1.43%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
River Works Credit UnionCredit union Lynn, MA57 out of 100, Moderate$192.9M9.2%0.82%vs

Deposit insurance

Is my money safe at Greater Springfield Credit Union?

Yes. Greater Springfield Credit Union is a federally insured credit union (NCUA charter #67902). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.2% of shares and deposits ($22.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 19.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Greater Springfield Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Greater Springfield Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67902
RSSD ID
147099
Primary regulator
State + NCUA
Established
1927
Headquarters
1030 Wilbraham Rd, Springfield, MA 01109
Employees
29

Quick answers

Greater Springfield Credit Union: common questions

Is Greater Springfield Credit Union NCUA insured?

Yes. Greater Springfield Credit Union is a federally insured credit union (NCUA charter #67902). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Greater Springfield Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Greater Springfield Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Springfield

InstitutionScoreAssetsCapitalProblem loansCompare
Stafford Savings BankBank Stafford Springs, CT95 out of 100, Very strong$507.0M50.6%0.56%vs
MassMutual Private Wealth & Trust, FSBBank Springfield, MA93 out of 100, Very strong$93.7M32.2%0.00%vs
Kief Protective Mutual Benefit Ass. Credit UnionCredit union Bloomfield, CT80 out of 100, Strong$605K22.2%0.00%vs
Liberty BankBank Middletown, CT79 out of 100, Strong$9.4B13.4%0.32%vs
Dutch Point Credit UnionCredit union Wethersfield, CT77 out of 100, Strong$565.4M10.6%0.12%vs
Polish National Credit UnionCredit union Chicopee, MA76 out of 100, Strong$776.9M13.6%0.17%vs