TellerScore

Headquartered in Springfield, Massachusetts, Massmutual Federal Credit Union is a federal credit union with $344.5M in total assets and $301.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1962.

Massmutual Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 75th. Problem-loan coverage contributes the most (95/100, 2.7%); earnings contributes the least (24/100, 0.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.20%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.47%
Earnings24/100
Return on assets (annualized): 0.09%
Funding & liquidity86/100
Loans ÷ shares: 74.0% · 12.1% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.69%

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 6 points (61 → 67), mostly because the loan quality component improved by 30 points.

TellerScore
606467Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202466
Q4 202460
Q1 202564
Q2 202561
Q3 202561
Q4 202562
Q1 202664
Q2 202667
Net worth ratio
7.00%9.63%12.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.90%
Q3 202412.25%
Q4 202412.13%
Q1 202511.63%
Q2 202511.76%
Q3 202511.67%
Q4 202511.86%
Q1 202611.00%
Q2 202611.20%
Delinquent loans (60+ days)
0.47%0.92%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.14%
Q3 20240.98%
Q4 20241.29%
Q1 20251.13%
Q2 20251.37%
Q3 20251.33%
Q4 20251.25%
Q1 20260.75%
Q2 20260.47%
Return on assets
-0.11%0.08%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.02%
Q3 20240.19%
Q4 2024-0.11%
Q1 20250.26%
Q2 20250.15%
Q3 20250.08%
Q4 20250.16%
Q1 20260.07%
Q2 20260.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$344.5M11.20%0.47%0.09%74.0%
Q1 202664$350.0M11.00%0.75%0.07%70.6%
Q4 202562$324.1M11.86%1.25%0.16%74.1%
Q3 202561$326.8M11.67%1.33%0.08%70.5%
Q2 202561$324.7M11.76%1.37%0.15%71.1%
Q1 202564$328.2M11.63%1.13%0.26%69.9%
Q4 202460$313.1M12.13%1.29%-0.11%73.6%
Q3 202466$316.2M12.25%0.98%0.19%72.5%
Q2 202463$322.4M11.90%1.14%0.02%70.3%

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).

Capital ratio11.20%
47th
Problem loans0.47%
69th
Net charge-offs0.32%
55th
Return on assets0.09%
7th
Loans to deposits74.0%
54th
Uninsured deposits12.1%
10th
Loan-loss reserves0.00%
50th
Texas ratio2.7%
67th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Members Plus Credit UnionCredit union Medford, MA60 out of 100, Moderate$349.0M11.0%0.87%vs
Mass Bay Credit UnionCredit union South Boston, MA62 out of 100, Moderate$366.7M11.5%0.89%vs
Fall River Municipal Credit UnionCredit union Fall River, MA62 out of 100, Moderate$316.5M9.5%0.47%vs
St. Jean'S Credit UnionCredit union Lynn, MA63 out of 100, Moderate$372.5M9.8%0.54%vs
Holyoke Credit UnionCredit union Holyoke, MA53 out of 100, Below average$296.4M9.2%1.42%vs
Alltrust Credit UnionCredit union Fairhaven, MA25 out of 100, Low$280.2M8.5%3.57%vs

Deposit insurance

Is my money safe at Massmutual Federal Credit Union?

Yes. Massmutual Federal Credit Union is a federally insured credit union (NCUA charter #24566). 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 12.1% of shares and deposits ($36.4M) 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 11.20%, 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Massmutual Federal Credit Union reported 267 home-loan applications under HMDA (LEI 549300217ZPIHWEYT887): 184 originated ($28,370,000 total), 48 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.7%, 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
Massmutual Federal Credit Union
Type
Federal credit union
NCUA charter #
24566
RSSD ID
792
Primary regulator
NCUA
Established
1962
Headquarters
1295 State St, Springfield, MA 01111
Employees
32

Quick answers

Massmutual Federal Credit Union: common questions

Is Massmutual Federal Credit Union NCUA insured?

Yes. Massmutual Federal Credit Union is a federally insured credit union (NCUA charter #24566). 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 Massmutual Federal Credit Union's TellerScore?

67 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 Massmutual Federal Credit Union have?

1 office as of the latest NCUA data.