Polish National Credit Union (NCUA charter #66597) is based in Chicopee, Massachusetts. Its Q2 2026 call report shows $776.9M in total assets and $614.5M in member shares and deposits and 8 offices.
Polish National Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 45th. Problem-loan coverage contributes the most (98/100, 1.0%); earnings contributes the least (41/100, 0.52%).
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 rose 2 points (74 → 76), mostly because the earnings component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.82% |
| Q3 2024 | 14.13% |
| Q4 2024 | 13.52% |
| Q1 2025 | 13.17% |
| Q2 2025 | 13.48% |
| Q3 2025 | 13.51% |
| Q4 2025 | 13.63% |
| Q1 2026 | 13.67% |
| Q2 2026 | 13.58% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.26% |
| Q3 2025 | 0.25% |
| Q4 2025 | 0.14% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.17% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.35% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.61% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $776.9M | 13.58% | 0.17% | 0.52% | 104.4% |
| Q1 2026 | 75 | $765.4M | 13.67% | 0.37% | 0.61% | 102.0% |
| Q4 2025 | 75 | $759.2M | 13.63% | 0.14% | 0.37% | 103.0% |
| Q3 2025 | 74 | $761.1M | 13.51% | 0.25% | 0.38% | 104.6% |
| Q2 2025 | 74 | $757.1M | 13.48% | 0.26% | 0.37% | 102.7% |
| Q1 2025 | 74 | $768.0M | 13.17% | 0.10% | 0.26% | 100.9% |
| Q4 2024 | 75 | $744.6M | 13.52% | 0.15% | 0.35% | 102.7% |
| Q3 2024 | 75 | $709.0M | 14.13% | 0.31% | 0.40% | 101.5% |
| Q2 2024 | 76 | $720.0M | 13.82% | 0.21% | 0.39% | 100.9% |
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 |
|---|---|---|---|---|---|
| Freedom Credit UnionCredit union Springfield, MA | 66 out of 100, Moderate | $764.0M | 14.3% | 1.81% | vs |
| Direct Federal Credit UnionCredit union Needham, MA | 64 out of 100, Moderate | $794.7M | 11.4% | 0.36% | vs |
| Gfa Federal Credit UnionCredit union Gardner, MA | 55 out of 100, Moderate | $747.3M | 9.2% | 0.75% | vs |
| Mass. Institute of Tech. Federal Credit UnionCredit union Lexington, MA | 56 out of 100, Moderate | $730.8M | 9.9% | 1.09% | vs |
| Quincy Credit UnionCredit union Quincy, MA | 80 out of 100, Strong | $729.4M | 14.6% | 0.75% | vs |
| Liberty Bay Credit UnionCredit union Braintree, MA | 78 out of 100, Strong | $827.4M | 15.1% | 0.24% | vs |
Deposit insurance
Is my money safe at Polish National Credit Union?
Yes. Polish National Credit Union is a federally insured credit union (NCUA charter #66597). 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 8.3% of shares and deposits ($51.2M) 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 13.58%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
8 locations
Branches
Polish National Credit Union lists 8 offices in 7 cities. Most locations:
- Chicopee, MA (2)
- East Longmeadow, MA (1)
- Granby, MA (1)
- Hampden, MA (1)
- Southampton, MA (1)
- Westfield, MA (1)
- Wilbraham, MA (1)
HMDA 2025
Mortgage lending
In 2025, Polish National Credit Union reported 456 home-loan applications under HMDA (LEI 549300FQS3UXEAID1Q88): 355 originated ($73,375,000 total), 41 denied, and 48 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.0%, 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
- Polish National Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66597
- RSSD ID
- 485193
- Primary regulator
- State + NCUA
- Established
- 1921
- Headquarters
- 923 Front Street, Chicopee, MA 01020
- Employees
- 144
Quick answers
Polish National Credit Union: common questions
Is Polish National Credit Union NCUA insured?
Yes. Polish National Credit Union is a federally insured credit union (NCUA charter #66597). 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 Polish National Credit Union's TellerScore?
76 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 Polish National Credit Union have?
8 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Chicopee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Stafford Savings BankBank Stafford Springs, CT | 95 out of 100, Very strong | $507.0M | 50.6% | 0.56% | vs |
| Greater Springfield Credit UnionCredit union Springfield, MA | 94 out of 100, Very strong | $230.3M | 19.7% | 0.45% | vs |
| MassMutual Private Wealth & Trust, FSBBank Springfield, MA | 93 out of 100, Very strong | $93.7M | 32.2% | 0.00% | vs |
| Liberty BankBank Middletown, CT | 79 out of 100, Strong | $9.4B | 13.4% | 0.32% | vs |
| Florence BankBank Florence, MA | 74 out of 100, Strong | $2.0B | 12.2% | 0.46% | vs |
| Comtrust Federal Credit UnionCredit union Chattanooga, TN | 74 out of 100, Strong | $429.7M | 11.4% | 0.41% | vs |