Lexington, Massachusetts · Peer group 6
Mass. Institute of Tech. Credit Union
Mass. Institute of Tech. Credit Union holds $743.0M in assets across 35,226 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1940. Charter number 3830, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $743.0M |
|---|---|
| Total loans | $535.9M |
| Total shares (deposits) | $667.9M |
| Net worth | $71.8M |
| Members | 35,226 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.0% | |
|---|---|---|
| Loans | -3.1% | lower than 90% of its peer group |
| Deposits | 2.5% | around the 31st percentile of its peer group |
| Members | 2.9% | around the 67th 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 | 80.2% | around the 39th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.7% | around the 29th percentile of its peer group |
| Return on assets | 0.14% | lower than 91% of its peer group |
| Delinquency ratio | 1.05% | around the 81st percentile of its peer group |
| Cash / assets | 15.0% | around the 88th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Mass. Institute of Tech. 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.
- Quincy Credit Union
Quincy, MA
$733.0M · 39,322 members
- Freedom Credit Union
SPRINGFIELD, MA
$757.4M · 31,707 members
- Gfa Credit Union
Gardner, MA
$760.6M · 33,415 members
- Polish National Credit Union
Chicopee, MA
$765.4M · 28,647 members
- Umassfive College Credit Union
Hadley, MA
$712.5M · 51,124 members
- First Citizens' Credit Union
FAIRHAVEN, MA
$697.0M · 42,903 members
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