North Adams, Massachusetts · Peer group 2
North Adams M E Credit Union
North Adams M E Credit Union holds $2.3M in assets across 328 members as of Q1 2026 — about $7K of assets per member, on a charter dating to 1959. Charter number 13274, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.3M |
|---|---|
| Total loans | $1.1M |
| Total shares (deposits) | $1.8M |
| Net worth | $417K |
| Members | 328 |
| Assets per member | $7K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.2% | |
|---|---|---|
| Loans | -9.5% | around the 37th percentile of its peer group |
| Deposits | 3.5% | around the 76th percentile of its peer group |
| Members | -3.0% | around the 36th 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 | 61.1% | around the 48th percentile of its peer group |
|---|---|---|
| Net worth ratio | 18.4% | around the 55th percentile of its peer group |
| Return on assets | -1.70% | lower than 92% of its peer group |
| Delinquency ratio | 3.44% | around the 86th percentile of its peer group |
| Cash / assets | 31.5% | around the 86th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is North Adams M E 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.
- Stoughton Town Employees Credit Union
Stoughton, MA
$2.4M · 478 members
- Symphony Credit Union
Boston, MA
$2.1M · 209 members
- Boston Customs Credit Union
Boston, MA
$2.5M · 364 members
- New England Lee Credit Union
Boston, MA
$2.8M · 256 members
- M.O.S.E.S. Credit Union
Boston, MA
$1.5M · 267 members
- Manchester Credit Union
Manchester, MA
$1.3M · 296 members
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