Members Plus Credit Union is a federally insured state-chartered credit union headquartered in Medford, Massachusetts, in business for about 86 years. At the end of Q2 2026 it reported $349.0M in total assets and $284.7M in member shares and deposits, with 7 offices.
Members Plus Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 21% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 97th. Funding & liquidity contributes the most (100/100, 59% loans-to-deposits, 11% uninsured); earnings contributes the least (1/100, -0.49%).
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 6 points (66 → 60), mostly because the earnings component weakened by 26 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 60 |
| Q4 2024 | 57 |
| Q1 2025 | 63 |
| Q2 2025 | 66 |
| Q3 2025 | 68 |
| Q4 2025 | 67 |
| Q1 2026 | 61 |
| Q2 2026 | 60 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.45% |
| Q3 2024 | 12.27% |
| Q4 2024 | 12.30% |
| Q1 2025 | 11.68% |
| Q2 2025 | 11.60% |
| Q3 2025 | 11.53% |
| Q4 2025 | 11.54% |
| Q1 2026 | 10.91% |
| Q2 2026 | 11.02% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 1.08% |
| Q4 2024 | 1.41% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.86% |
| Q3 2025 | 0.54% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.87% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.54% |
| Q3 2024 | -2.39% |
| Q4 2024 | -1.90% |
| Q1 2025 | -0.33% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.05% |
| Q4 2025 | -0.06% |
| Q1 2026 | -0.53% |
| Q2 2026 | -0.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $349.0M | 11.02% | 0.87% | -0.49% | 58.6% |
| Q1 2026 | 61 | $356.4M | 10.91% | 0.76% | -0.53% | 59.9% |
| Q4 2025 | 67 | $341.1M | 11.54% | 0.63% | -0.06% | 65.3% |
| Q3 2025 | 68 | $344.6M | 11.53% | 0.54% | 0.05% | 65.8% |
| Q2 2025 | 66 | $344.1M | 11.60% | 0.86% | 0.17% | 66.4% |
| Q1 2025 | 63 | $336.8M | 11.68% | 0.74% | -0.33% | 69.1% |
| Q4 2024 | 57 | $322.2M | 12.30% | 1.41% | -1.90% | 74.2% |
| Q3 2024 | 60 | $325.7M | 12.27% | 1.08% | -2.39% | 75.2% |
| Q2 2024 | 67 | $359.5M | 12.45% | 0.31% | -0.54% | 74.3% |
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 |
|---|---|---|---|---|---|
| Massmutual Federal Credit UnionCredit union Springfield, MA | 67 out of 100, Moderate | $344.5M | 11.2% | 0.47% | vs |
| Mass Bay Credit UnionCredit union South Boston, MA | 62 out of 100, Moderate | $366.7M | 11.5% | 0.89% | vs |
| St. Jean'S Credit UnionCredit union Lynn, MA | 63 out of 100, Moderate | $372.5M | 9.8% | 0.54% | vs |
| Fall River Municipal Credit UnionCredit union Fall River, MA | 62 out of 100, Moderate | $316.5M | 9.5% | 0.47% | vs |
| Holyoke Credit UnionCredit union Holyoke, MA | 53 out of 100, Below average | $296.4M | 9.2% | 1.42% | vs |
| Alltrust Credit UnionCredit union Fairhaven, MA | 25 out of 100, Low | $280.2M | 8.5% | 3.57% | vs |
Deposit insurance
Is my money safe at Members Plus Credit Union?
Yes. Members Plus Credit Union is a federally insured credit union (NCUA charter #66706). 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 10.9% of shares and deposits ($30.9M) 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 11.02%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
7 locations
Branches
Members Plus Credit Union lists 7 offices in 6 cities. Most locations:
- Dorchester, MA (2)
- Everett, MA (1)
- Medford, MA (1)
- Norwood, MA (1)
- Plymouth, MA (1)
- Winchester, MA (1)
HMDA 2025
Mortgage lending
In 2025, Members Plus Credit Union reported 17 home-loan applications under HMDA (LEI 254900VYWY829DG3Z473): 17 originated ($5,045,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
- Members Plus Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66706
- RSSD ID
- 202493
- Primary regulator
- State + NCUA
- Established
- 1940
- Headquarters
- 29 High St, Medford, MA 02155
- Employees
- 48
Quick answers
Members Plus Credit Union: common questions
Is Members Plus Credit Union NCUA insured?
Yes. Members Plus Credit Union is a federally insured credit union (NCUA charter #66706). 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 Members Plus Credit Union's TellerScore?
60 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 Members Plus Credit Union have?
7 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Medford
| 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 |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | 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 |