Woburn, Massachusetts · Peer group 4
Common Trust Credit Union
Common Trust Credit Union holds $98.1M in assets across 5,788 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1966. Charter number 17847, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $98.1M |
|---|---|
| Total loans | $40.9M |
| Total shares (deposits) | $91.1M |
| Net worth | $9.5M |
| Members | 5,788 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.9% | |
|---|---|---|
| Loans | -8.0% | around the 14th percentile of its peer group |
| Deposits | 1.8% | around the 50th percentile of its peer group |
| Members | -5.5% | around the 12th percentile 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 | 44.9% | around the 22nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.7% | around the 17th percentile of its peer group |
| Return on assets | 0.14% | around the 19th percentile of its peer group |
| Delinquency ratio | 0.26% | around the 25th percentile of its peer group |
| Cash / assets | 18.7% | around the 88th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Common Trust 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.
- Athol Credit Union
Athol, MA
$97.3M · 6,279 members
- Tewksbury Credit Union
Tewksbury, MA
$94.8M · 6,033 members
- Worcester Credit Union
Worcester, MA
$107.1M · 6,355 members
- Franklin First Credit Union
Greenfield, MA
$88.5M · 7,387 members
- Allcom Credit Union
Worcester, MA
$82.7M · 3,823 members
- Westport Credit Union
Westport, MA
$82.4M · 6,169 members
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