TellerScore

M.O.S.E.S. Federal Credit Union (NCUA charter #23627) is based in Boston, Massachusetts. Its Q2 2026 call report shows $1.5M in total assets and $1.2M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, M.O.S.E.S. Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 35th. Its strongest component is capital cushion (100/100; 21.94%), and its lowest is earnings (6/100; -0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.94%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings6/100
Return on assets (annualized): -0.34%
Funding & liquidity100/100
Loans ÷ shares: 31.0% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 fell 10 points (91 → 81), mostly because the earnings component weakened by 48 points.

TellerScore
8191100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 2024100
Q4 202491
Q1 202593
Q2 202591
Q3 202592
Q4 202582
Q1 202683
Q2 202681
Net worth ratio
7.00%14.47%21.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.50%
Q3 202417.32%
Q4 202418.22%
Q1 202518.84%
Q2 202519.62%
Q3 202520.29%
Q4 202521.17%
Q1 202621.79%
Q2 202621.94%
Delinquent loans (60+ days)
0.00%0.53%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.00%
Q4 20241.07%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.93%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.34%0.97%2.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.15%
Q3 20242.27%
Q4 20242.06%
Q1 20251.09%
Q2 20250.86%
Q3 20251.00%
Q4 20250.81%
Q1 2026-0.13%
Q2 2026-0.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.5M21.94%0.00%-0.34%31.0%
Q1 202683$1.5M21.79%0.00%-0.13%35.2%
Q4 202582$1.6M21.17%0.93%0.81%37.8%
Q3 202592$1.6M20.29%0.00%1.00%41.7%
Q2 202591$1.7M19.62%0.00%0.86%41.5%
Q1 202593$1.7M18.84%0.00%1.09%41.0%
Q4 202491$1.7M18.22%1.07%2.06%40.9%
Q3 2024100$1.8M17.32%0.00%2.27%40.7%
Q2 202495$1.8M16.50%0.56%2.15%42.4%

2,479 peers · Under $100 million in assets

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 ratio21.94%
83rd
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets-0.34%
13th
Loans to deposits31.0%
88th
Uninsured deposits0.0%
81st
Loan-loss reserves3.08%
93rd
Texas ratio0.0%
93rd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Manchester Federal Credit UnionCredit union Manchester, MA86 out of 100, Very strong$1.2M17.1%0.00%vs
Messiah Baptist-Jubilee Federal Credit UnionCredit union Brockton, MA83 out of 100, Strong$1.1M22.2%1.67%vs
Symphony Federal Credit UnionCredit union Boston, MA26 out of 100, Low$2.2M8.1%6.21%vs
North Adams M E Federal Credit UnionCredit union North Adams, MA53 out of 100, Below average$2.3M17.9%3.36%vs
Stoughton Town Employees Federal Credit UnionCredit union Stoughton, MA89 out of 100, Very strong$2.4M16.6%0.00%vs
Boston Customs Federal Credit UnionCredit union Boston, MA99 out of 100, Very strong$2.5M17.3%0.00%vs

Deposit insurance

Is my money safe at M.O.S.E.S. Federal Credit Union?

Yes. M.O.S.E.S. Federal Credit Union is a federally insured credit union (NCUA charter #23627). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.94%, 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

M.O.S.E.S. Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
M.O.S.E.S. Federal Credit Union
Type
Federal credit union
NCUA charter #
23627
RSSD ID
945790
Primary regulator
NCUA
Established
1980
Headquarters
90 North Washington St, Ste 3, Boston, MA 02114
Employees
1

Quick answers

M.O.S.E.S. Federal Credit Union: common questions

Is M.O.S.E.S. Federal Credit Union NCUA insured?

Yes. M.O.S.E.S. Federal Credit Union is a federally insured credit union (NCUA charter #23627). 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 M.O.S.E.S. Federal Credit Union's TellerScore?

81 out of 100 (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 M.O.S.E.S. Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Boston

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
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Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs