Mass. Institute of Tech. Federal Credit Union (NCUA charter #3830) is based in Lexington, Massachusetts. Its Q2 2026 call report shows $730.8M in total assets and $649.4M in member shares and deposits and 4 offices.
Based on its Q2 2026 filing, Mass. Institute of Tech. Federal Credit Union scores 56/100, which we describe as moderate. That is higher than only 13% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 106th. Its strongest component is problem-loan coverage (83/100; 8.3%), and its lowest is earnings (28/100; 0.21%).
TellerScore · Q2 2026
Scorecard
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 5 points (61 → 56), mostly because the loan quality component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 62 |
| Q4 2024 | 62 |
| Q1 2025 | 60 |
| Q2 2025 | 61 |
| Q3 2025 | 59 |
| Q4 2025 | 57 |
| Q1 2026 | 56 |
| Q2 2026 | 56 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.48% |
| Q3 2024 | 9.64% |
| Q4 2024 | 9.50% |
| Q1 2025 | 9.59% |
| Q2 2025 | 9.89% |
| Q3 2025 | 9.75% |
| Q4 2025 | 9.63% |
| Q1 2026 | 9.67% |
| Q2 2026 | 9.90% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.89% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.73% |
| Q3 2025 | 1.00% |
| Q4 2025 | 1.11% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.16% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.47% |
| Q4 2025 | 0.42% |
| Q1 2026 | 0.14% |
| Q2 2026 | 0.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $730.8M | 9.90% | 1.09% | 0.21% | 84.9% |
| Q1 2026 | 56 | $743.0M | 9.67% | 1.05% | 0.14% | 80.2% |
| Q4 2025 | 57 | $743.5M | 9.63% | 1.11% | 0.42% | 79.9% |
| Q3 2025 | 59 | $729.0M | 9.75% | 1.00% | 0.47% | 82.1% |
| Q2 2025 | 61 | $708.3M | 9.89% | 0.73% | 0.43% | 85.4% |
| Q1 2025 | 60 | $721.4M | 9.59% | 0.70% | 0.35% | 84.8% |
| Q4 2024 | 62 | $721.7M | 9.50% | 0.80% | 0.80% | 89.4% |
| Q3 2024 | 62 | $705.5M | 9.64% | 0.89% | 0.98% | 92.1% |
| Q2 2024 | 63 | $706.0M | 9.48% | 0.86% | 1.16% | 93.3% |
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).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Quincy Credit UnionCredit union Quincy, MA | 80 out of 100, Strong | $729.4M | 14.6% | 0.75% | vs |
| Gfa Federal Credit UnionCredit union Gardner, MA | 55 out of 100, Moderate | $747.3M | 9.2% | 0.75% | vs |
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Umassfive College Federal Credit UnionCredit union Hadley, MA | 58 out of 100, Moderate | $702.7M | 9.7% | 1.02% | vs |
| Freedom Credit UnionCredit union Springfield, MA | 66 out of 100, Moderate | $764.0M | 14.3% | 1.81% | vs |
| Polish National Credit UnionCredit union Chicopee, MA | 76 out of 100, Strong | $776.9M | 13.6% | 0.17% | vs |
Deposit insurance
Is my money safe at Mass. Institute of Tech. Federal Credit Union?
Yes. Mass. Institute of Tech. Federal Credit Union is a federally insured credit union (NCUA charter #3830). 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 12.6% of shares and deposits ($81.8M) 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 9.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Mass. Institute of Tech. Federal Credit Union lists 4 offices in 2 cities. Most locations:
- Lexington, MA (3)
- Cambridge, MA (1)
HMDA 2025
Mortgage lending
In 2025, Mass. Institute of Tech. Federal Credit Union reported 309 home-loan applications under HMDA (LEI 549300P1347BFCBHJV60): 209 originated ($80,655,000 total), 15 denied, and 69 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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. Institute of Tech. Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 3830
- RSSD ID
- 243777
- Primary regulator
- NCUA
- Established
- 1940
- Headquarters
- 70 Westview St., Lexington, MA 02421
- Employees
- 96
Quick answers
Mass. Institute of Tech. Federal Credit Union: common questions
Is Mass. Institute of Tech. Federal Credit Union NCUA insured?
Yes. Mass. Institute of Tech. Federal Credit Union is a federally insured credit union (NCUA charter #3830). 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. Institute of Tech. Federal Credit Union's TellerScore?
56 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. Institute of Tech. Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lexington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |