Chelsea, Massachusetts · Peer group 3
Chelsea Employees Credit Union
Chelsea Employees Credit Union holds $21.2M in assets across 2,248 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1935. Charter number 851, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $21.2M |
|---|---|
| Total loans | $14.7M |
| Total shares (deposits) | $18.9M |
| Net worth | $1.8M |
| Members | 2,248 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.2% | |
|---|---|---|
| Loans | 3.7% | around the 77th percentile of its peer group |
| Deposits | 3.5% | around the 66th percentile of its peer group |
| Members | 5.7% | higher than 96% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 77.8% | around the 82nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.6% | lower than 92% of its peer group |
| Return on assets | 0.28% | around the 30th percentile of its peer group |
| Delinquency ratio | 0.20% | around the 30th percentile of its peer group |
| Cash / assets | 11.9% | around the 54th percentile of its peer group |
| Borrowings / assets | 1.2% | higher than 98% of its peer group |
What this page does not show
Everything above is Chelsea Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Lynn Firemens Credit Union
Lynn, MA
$19.8M · 1,605 members
- Somerville School Employees Credit Union
Somerville, MA
$23.1M · 1,381 members
- Santo Christo Credit Union
FALL RIVER, MA
$19.2M · 1,978 members
- Billerica Municipal Employees Credit Union
BILLERICA, MA
$23.8M · 1,258 members
- Rah Credit Union
RANDOLPH, MA
$24.0M · 1,852 members
- Attleboro M E Credit Union
Attleboro, MA
$25.2M · 1,514 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Chelsea Employees Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.