Umassfive College Federal Credit Union (NCUA charter #18181) is based in Hadley, Massachusetts. Its Q2 2026 call report shows $702.7M in total assets and $632.2M in member shares and deposits and 5 offices.
Umassfive College Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 100th. Problem-loan coverage contributes the most (84/100, 8.1%); 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 3 points (55 → 58), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 55 |
| Q3 2024 | 54 |
| Q4 2024 | 53 |
| Q1 2025 | 52 |
| Q2 2025 | 55 |
| Q3 2025 | 58 |
| Q4 2025 | 57 |
| Q1 2026 | 57 |
| Q2 2026 | 58 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.96% |
| Q3 2024 | 8.90% |
| Q4 2024 | 9.10% |
| Q1 2025 | 9.10% |
| Q2 2025 | 9.11% |
| Q3 2025 | 9.37% |
| Q4 2025 | 9.45% |
| Q1 2026 | 9.50% |
| Q2 2026 | 9.67% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.85% |
| Q4 2024 | 1.11% |
| Q1 2025 | 0.99% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.92% |
| Q1 2026 | 0.98% |
| Q2 2026 | 1.02% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.24% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.29% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.43% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 58 | $702.7M | 9.67% | 1.02% | 0.52% | 85.7% |
| Q1 2026 | 57 | $712.5M | 9.50% | 0.98% | 0.38% | 84.7% |
| Q4 2025 | 57 | $703.5M | 9.45% | 0.92% | 0.43% | 86.8% |
| Q3 2025 | 58 | $703.7M | 9.37% | 0.88% | 0.43% | 87.6% |
| Q2 2025 | 55 | $705.1M | 9.11% | 0.94% | 0.29% | 86.4% |
| Q1 2025 | 52 | $716.2M | 9.10% | 0.99% | 0.00% | 86.8% |
| Q4 2024 | 53 | $696.8M | 9.10% | 1.11% | 0.24% | 91.7% |
| Q3 2024 | 54 | $707.1M | 8.90% | 0.85% | 0.17% | 92.8% |
| Q2 2024 | 55 | $700.5M | 8.96% | 0.76% | 0.18% | 92.1% |
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 |
|---|---|---|---|---|---|
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Quincy Credit UnionCredit union Quincy, MA | 80 out of 100, Strong | $729.4M | 14.6% | 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 |
| Gfa Federal Credit UnionCredit union Gardner, MA | 55 out of 100, Moderate | $747.3M | 9.2% | 0.75% | vs |
| Align Credit UnionCredit union Lowell, MA | 45 out of 100, Below average | $650.9M | 8.7% | 1.46% | vs |
| Freedom Credit UnionCredit union Springfield, MA | 66 out of 100, Moderate | $764.0M | 14.3% | 1.81% | vs |
Deposit insurance
Is my money safe at Umassfive College Federal Credit Union?
Yes. Umassfive College Federal Credit Union is a federally insured credit union (NCUA charter #18181). 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 4.9% of shares and deposits ($31.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.67%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Umassfive College Federal Credit Union lists 5 offices in 5 cities. Most locations:
- Hadley, MA (1)
- Leeds, MA (1)
- Northampton, MA (1)
- Springfield, MA (1)
- Worcester, MA (1)
Identity & history
Profile
- Legal name
- Umassfive College Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 18181
- RSSD ID
- 472782
- Primary regulator
- NCUA
- Established
- 1967
- Headquarters
- PO Box 1060, Hadley, MA 01035
- Employees
- 134
Quick answers
Umassfive College Federal Credit Union: common questions
Is Umassfive College Federal Credit Union NCUA insured?
Yes. Umassfive College Federal Credit Union is a federally insured credit union (NCUA charter #18181). 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 Umassfive College Federal Credit Union's TellerScore?
58 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 Umassfive College Federal Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hadley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 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 |
| Polish National Credit UnionCredit union Chicopee, MA | 76 out of 100, Strong | $776.9M | 13.6% | 0.17% | vs |
| Florence BankBank Florence, MA | 74 out of 100, Strong | $2.0B | 12.2% | 0.46% | vs |
| Greenfield Co-operative BankBank Greenfield, MA | 71 out of 100, Strong | $901.8M | 12.5% | 0.72% | vs |