South Boston, Massachusetts · Peer group 5
Mass Bay Credit Union
Mass Bay Credit Union holds $367.7M in assets across 17,688 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1936. Charter number 68137, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $367.7M |
|---|---|
| Total loans | $305.8M |
| Total shares (deposits) | $260.5M |
| Net worth | $41.4M |
| Members | 17,688 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.5% | |
|---|---|---|
| Loans | 3.1% | around the 53rd percentile of its peer group |
| Deposits | 2.1% | around the 40th percentile of its peer group |
| Members | -2.4% | around the 26th 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 | 117.4% | higher than 100% of its peer group |
|---|---|---|
| Net worth ratio | 11.3% | around the 47th percentile of its peer group |
| Return on assets | 0.50% | around the 36th percentile of its peer group |
| Delinquency ratio | 0.64% | around the 52nd percentile of its peer group |
| Cash / assets | 5.4% | around the 14th percentile of its peer group |
| Borrowings / assets | 17.5% | higher than 100% of its peer group |
What this page does not show
Everything above is Mass Bay Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- St. Jean's Credit Union
lynn, MA
$377.3M · 18,143 members
- Members Plus Credit Union
Medford, MA
$356.4M · 13,687 members
- Massmutual Credit Union
SPRINGFIELD, MA
$350.0M · 13,582 members
- Fall River Municipal Credit Union
Fall River, MA
$315.1M · 13,082 members
- Taunton Credit Union
Taunton, MA
$433.5M · 19,214 members
- Holyoke Credit Union
Holyoke, MA
$299.4M · 21,601 members
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