TellerScore

Headquartered in Malden, Massachusetts, Malden Federal Credit Union is a federal credit union with $29.4M in total assets and $24.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1941.

Malden Federal Credit Union has a TellerScore of 90 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 11th. Capital cushion contributes the most (100/100, 17.05%); earnings contributes the least (50/100, 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.05%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity100/100
Loans ÷ shares: 53.5% · 4.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.07%

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 3 points (87 → 90), mostly because the earnings component improved by 14 points.

TellerScore
868890Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202487
Q4 202487
Q1 202587
Q2 202587
Q3 202586
Q4 202587
Q1 202687
Q2 202690
Net worth ratio
7.00%12.41%17.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.22%
Q3 202417.82%
Q4 202417.31%
Q1 202516.99%
Q2 202516.77%
Q3 202517.01%
Q4 202516.92%
Q1 202617.05%
Q2 202617.05%
Delinquent loans (60+ days)
0.00%0.04%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.08%
Q4 20240.05%
Q1 20250.00%
Q2 20250.00%
Q3 20250.08%
Q4 20250.04%
Q1 20260.05%
Q2 20260.03%
Return on assets
0.31%0.53%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.52%
Q4 20240.46%
Q1 20250.31%
Q2 20250.40%
Q3 20250.37%
Q4 20250.40%
Q1 20260.41%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$29.4M17.05%0.03%0.74%53.5%
Q1 202687$28.9M17.05%0.05%0.41%52.5%
Q4 202587$29.0M16.92%0.04%0.40%51.3%
Q3 202586$28.6M17.01%0.08%0.37%51.3%
Q2 202587$28.9M16.77%0.00%0.40%50.6%
Q1 202587$28.3M16.99%0.00%0.31%52.0%
Q4 202487$27.7M17.31%0.05%0.46%54.7%
Q3 202487$26.7M17.82%0.08%0.52%57.3%
Q2 202488$27.5M17.22%0.01%0.54%54.7%

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 ratio17.05%
65th
Problem loans0.03%
85th
Net charge-offs-0.11%
94th
Return on assets0.74%
55th
Loans to deposits53.5%
58th
Uninsured deposits4.1%
27th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Htm Credit UnionCredit union Haverhill, MA84 out of 100, Strong$29.6M13.8%0.11%vs
Massachusetts Family Federal Credit UnionCredit union Lynn, MA81 out of 100, Strong$29.6M16.3%0.01%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Lowell Firefighters Credit UnionCredit union Lowell, MA75 out of 100, Strong$28.3M11.3%0.09%vs
Haverhill Fire Department Credit UnionCredit union Haverhill, MA71 out of 100, Strong$27.7M9.6%0.02%vs
Mills42 Federal Credit UnionCredit union Lowell, MA73 out of 100, Strong$31.5M11.9%0.61%vs

Deposit insurance

Is my money safe at Malden Federal Credit Union?

Yes. Malden Federal Credit Union is a federally insured credit union (NCUA charter #4472). 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 4.1% of shares and deposits ($991K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.05%, 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

Malden Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Malden Federal Credit Union
Type
Federal credit union
NCUA charter #
4472
RSSD ID
708874
Primary regulator
NCUA
Established
1941
Headquarters
10 Holden St, Suite 6, Malden, MA 02148
Employees
6

Quick answers

Malden Federal Credit Union: common questions

Is Malden Federal Credit Union NCUA insured?

Yes. Malden Federal Credit Union is a federally insured credit union (NCUA charter #4472). 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 Malden Federal Credit Union's TellerScore?

90 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 Malden Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Malden

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
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