TellerScore

Headquartered in South Boston, Massachusetts, Mass Bay Credit Union is a federally insured state-chartered credit union with $366.7M in total assets and $259.6M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1936.

Mass Bay Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 88th. Problem-loan coverage contributes the most (87/100, 6.5%); earnings contributes the least (43/100, 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.46%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.89%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity50/100
Loans ÷ shares: 117.5% · 9.3% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.47%

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 (61 → 62).

TellerScore
556064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202455
Q4 202459
Q1 202564
Q2 202561
Q3 202562
Q4 202563
Q1 202663
Q2 202662
Net worth ratio
7.00%9.23%11.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.64%
Q3 202410.67%
Q4 202410.96%
Q1 202510.82%
Q2 202511.05%
Q3 202511.15%
Q4 202511.30%
Q1 202611.26%
Q2 202611.46%
Delinquent loans (60+ days)
0.30%0.72%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.80%
Q3 20241.13%
Q4 20240.90%
Q1 20250.30%
Q2 20250.71%
Q3 20250.74%
Q4 20250.78%
Q1 20260.64%
Q2 20260.89%
Return on assets
0.36%0.47%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.37%
Q4 20240.48%
Q1 20250.36%
Q2 20250.44%
Q3 20250.53%
Q4 20250.59%
Q1 20260.50%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$366.7M11.46%0.89%0.58%117.5%
Q1 202663$367.7M11.26%0.64%0.50%117.4%
Q4 202563$362.4M11.30%0.78%0.59%121.4%
Q3 202562$361.6M11.15%0.74%0.53%123.0%
Q2 202561$359.0M11.05%0.71%0.44%119.5%
Q1 202564$362.3M10.82%0.30%0.36%116.3%
Q4 202459$354.7M10.96%0.90%0.48%119.2%
Q3 202455$358.1M10.67%1.13%0.37%118.1%
Q2 202458$355.7M10.64%0.80%0.36%118.2%

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 ratio11.46%
50th
Problem loans0.89%
36th
Net charge-offs0.03%
94th
Return on assets0.58%
37th
Loans to deposits117.5%
0th
Uninsured deposits9.3%
21st
Loan-loss reserves0.00%
50th
Texas ratio6.5%
29th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
St. Jean'S Credit UnionCredit union Lynn, MA63 out of 100, Moderate$372.5M9.8%0.54%vs
Members Plus Credit UnionCredit union Medford, MA60 out of 100, Moderate$349.0M11.0%0.87%vs
Massmutual Federal Credit UnionCredit union Springfield, MA67 out of 100, Moderate$344.5M11.2%0.47%vs
Fall River Municipal Credit UnionCredit union Fall River, MA62 out of 100, Moderate$316.5M9.5%0.47%vs
Holyoke Credit UnionCredit union Holyoke, MA53 out of 100, Below average$296.4M9.2%1.42%vs
Taunton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$440.5M12.0%0.77%vs

Deposit insurance

Is my money safe at Mass Bay Credit Union?

Yes. Mass Bay Credit Union is a federally insured credit union (NCUA charter #68137). 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 9.3% of shares and deposits ($24.1M) 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 11.46%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Mass Bay Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Mass Bay Credit Union reported 101 home-loan applications under HMDA (LEI 5493003VEEM09F16U659): 43 originated ($19,575,000 total), 31 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Mass Bay Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68137
RSSD ID
22196
Primary regulator
State + NCUA
Established
1936
Headquarters
147 W 4th St, South Boston, MA 02127
Employees
53

Quick answers

Mass Bay Credit Union: common questions

Is Mass Bay Credit Union NCUA insured?

Yes. Mass Bay Credit Union is a federally insured credit union (NCUA charter #68137). 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 Mass Bay Credit Union's TellerScore?

62 out of 100 (Moderate), 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 Mass Bay Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near South 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
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