Chicopee, Massachusetts · Peer group 6
Polish National Credit Union
Polish National Credit Union holds $765.4M in assets across 28,647 members as of Q1 2026 — about $27K of assets per member, on a charter dating to 1921. Charter number 66597, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $765.4M |
|---|---|
| Total loans | $627.0M |
| Total shares (deposits) | $614.7M |
| Net worth | $104.7M |
| Members | 28,647 |
| Assets per member | $27K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.3% | |
|---|---|---|
| Loans | 2.8% | around the 38th percentile of its peer group |
| Deposits | 1.7% | around the 24th percentile of its peer group |
| Members | -0.2% | around the 31st 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 | 102.0% | higher than 94% of its peer group |
|---|---|---|
| Net worth ratio | 13.7% | around the 87th percentile of its peer group |
| Return on assets | 0.61% | around the 44th percentile of its peer group |
| Delinquency ratio | 0.37% | around the 24th percentile of its peer group |
| Cash / assets | 2.1% | lower than 98% of its peer group |
| Borrowings / assets | 5.4% | around the 77th percentile of its peer group |
What this page does not show
Everything above is Polish National 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.
- Gfa Credit Union
Gardner, MA
$760.6M · 33,415 members
- Freedom Credit Union
SPRINGFIELD, MA
$757.4M · 31,707 members
- Mass. Institute of Tech. Credit Union
Lexington, MA
$743.0M · 35,226 members
- Direct Credit Union
Needham, MA
$789.8M · 23,538 members
- Quincy Credit Union
Quincy, MA
$733.0M · 39,322 members
- Umassfive College Credit Union
Hadley, MA
$712.5M · 51,124 members
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