TellerScore

Headquartered in Marblehead, Massachusetts, Marblehead Municipal Federal Credit Union is a federal credit union with $13.5M in total assets and $11.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1978.

Based on its Q2 2026 filing, Marblehead Municipal Federal Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 30th. Its strongest component is capital cushion (100/100; 15.44%), and its lowest is earnings (44/100; 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.44%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.61%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity89/100
Loans ÷ shares: 71.5% · 5.9% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.40%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).

TellerScore
758085Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202484
Q4 202482
Q1 202584
Q2 202583
Q3 202575
Q4 202578
Q1 202683
Q2 202682
Net worth ratio
7.00%11.82%16.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.31%
Q3 202416.31%
Q4 202416.65%
Q1 202516.53%
Q2 202516.35%
Q3 202516.65%
Q4 202516.35%
Q1 202616.05%
Q2 202615.44%
Delinquent loans (60+ days)
0.17%0.63%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.17%
Q4 20240.41%
Q1 20250.21%
Q2 20250.24%
Q3 20251.10%
Q4 20250.89%
Q1 20260.45%
Q2 20260.61%
Return on assets
0.59%0.66%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.68%
Q4 20240.64%
Q1 20250.69%
Q2 20250.59%
Q3 20250.62%
Q4 20250.62%
Q1 20260.69%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$13.5M15.44%0.61%0.59%71.5%
Q1 202683$12.9M16.05%0.45%0.69%77.0%
Q4 202578$12.5M16.35%0.89%0.62%82.0%
Q3 202575$12.2M16.65%1.10%0.62%88.5%
Q2 202583$12.3M16.35%0.24%0.59%86.0%
Q1 202584$12.1M16.53%0.21%0.69%83.9%
Q4 202482$11.9M16.65%0.41%0.64%84.8%
Q3 202484$12.0M16.31%0.17%0.68%82.9%
Q2 202485$11.9M16.31%0.20%0.74%81.7%

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 ratio15.44%
57th
Problem loans0.61%
54th
Net charge-offs0.04%
63rd
Return on assets0.59%
47th
Loans to deposits71.5%
31st
Uninsured deposits5.9%
17th
Loan-loss reserves0.00%
37th
Texas ratio2.4%
48th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Lynn Police Credit UnionCredit union Lynn, MA75 out of 100, Strong$11.7M25.9%1.35%vs
Burlington Municipal Employees Federal Credit UnionCredit union Burlington, MA82 out of 100, Strong$11.0M15.3%0.53%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Morton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$10.1M12.1%0.90%vs
Arlington Municipal Federal Credit UnionCredit union Arlington, MA70 out of 100, Strong$9.8M29.1%1.59%vs

Deposit insurance

Is my money safe at Marblehead Municipal Federal Credit Union?

Yes. Marblehead Municipal Federal Credit Union is a federally insured credit union (NCUA charter #23276). 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 5.9% of shares and deposits ($675K) 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 15.44%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Marblehead Municipal Federal Credit Union
Type
Federal credit union
NCUA charter #
23276
RSSD ID
864882
Primary regulator
NCUA
Established
1978
Headquarters
7 Widger Rd, Marblehead, MA 01945
Employees
4

Quick answers

Marblehead Municipal Federal Credit Union: common questions

Is Marblehead Municipal Federal Credit Union NCUA insured?

Yes. Marblehead Municipal Federal Credit Union is a federally insured credit union (NCUA charter #23276). 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 Marblehead Municipal Federal Credit Union's TellerScore?

82 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 Marblehead Municipal Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Marblehead

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
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
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs