credit union · NCUA 68137 · MA
How big is MASS BAY?
MASS BAY (MA, NCUA charter 68137) reported total assets of $366.7M, 17,761 members and a net worth ratio of 11.46% in its Call Report for 2026Q2. That ranks 925 of 4,299 federally insured credit unions by assets, 166 of 1,061 among credit unions with $100m-$500m in assets, 31 of 121 credit unions in massachusetts.
What stands out
MASS BAY (MA, NCUA charter 68137) reported total assets of $366.7M, 17,761 members and a net worth ratio of 11.46% in its Call Report for 2026Q2. That ranks 925 of 4,299 federally insured credit unions by assets, 166 of 1,061 among credit unions with $100m-$500m in assets, 31 of 121 credit unions in massachusetts. Against its size class: net worth ratio 11.46%, below the peer median of 11.65%; loan-to-share ratio 117.46%, above the peer median of 73.15%; return on assets 0.58%, below the peer median of 0.74%. At 11.46% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $366.7M | $198.1M | $81.8M | $68.3M | record → |
| Shares and deposits | $259.6M | $172.3M | $67.8M | $58.3M | record → |
| Loans outstanding | $304.9M | $125.2M | $42.6M | $34.4M | record → |
| Net income (year to date) | $1.1M | $766.3k | $172.3k | $222.2k | record → |
| Net worth | $42.0M | $24.5M | $9.5M | $9.0M | record → |
| Net worth ratio | 11.46% | 11.65% | 12.11% | 12.65% | record → |
| Loan-to-share ratio | 117.46% | 73.15% | 76.11% | 68.70% | computed |
| Return on assets | 0.58% | 0.74% | 0.56% | 0.71% | computed |
| Members | 17,761 | 13,230 | 4,111 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $366.7M | $259.6M | $304.9M | $1.1M | 11.46% | 17,761 | 925 |
| 2026Q1 | $367.7M | $260.5M | $305.8M | $460.8k | 11.26% | 17,688 | 925 |
| 2025Q4 | $362.4M | $253.6M | $307.8M | $2.1M | 11.30% | 17,626 | 921 |
| 2025Q3 | $361.6M | $249.6M | $307.1M | $1.4M | 11.15% | 18,222 | 919 |
| 2025Q2 | $359.0M | $251.1M | $300.0M | $786.8k | 11.05% | 18,204 | 921 |
| 2025Q1 | $362.3M | $255.2M | $296.7M | $326.3k | 10.82% | 18,128 | 918 |
| 2024Q4 | $354.7M | $248.3M | $296.0M | $1.7M | 10.96% | 18,043 | 918 |
| 2024Q3 | $358.1M | $249.9M | $295.3M | $993.8k | 10.67% | 18,231 | 914 |
| 2024Q2 | $355.7M | $249.6M | $295.1M | $632.2k | 10.64% | 18,730 | 914 |
| 2024Q1 | $357.1M | $250.4M | $293.3M | $298.8k | 10.51% | 18,606 | 913 |
| 2023Q4 | $350.0M | $243.0M | $294.5M | $2.5M | 10.63% | 18,543 | 917 |
| 2023Q3 | $333.5M | $251.4M | $283.2M | $2.1M | 11.04% | 18,953 | 945 |
| 2023Q2 | $327.6M | $250.4M | $275.7M | $1.5M | 11.06% | 19,325 | 955 |
| 2023Q1 | $325.2M | $254.2M | $264.6M | $682.3k | 10.90% | 19,121 | 963 |
| 2022Q4 | $324.6M | $250.2M | $262.1M | $4.2M | 10.72% | 18,949 | 954 |
| 2022Q3 | $314.5M | $256.1M | $254.4M | $1.9M | 10.32% | 19,576 | 967 |
| 2022Q2 | $306.6M | $262.6M | $245.2M | $910.8k | 10.27% | 19,505 | 982 |
| 2022Q1 | $300.9M | $263.2M | $236.1M | $560.2k | 10.35% | 19,229 | 1001 |
| 2021Q4 | $301.0M | $250.9M | $232.6M | $2.3M | 10.16% | 19,100 | 981 |
| 2021Q3 | $294.3M | $254.2M | $223.8M | $1.9M | 10.23% | 19,547 | 987 |
| 2021Q2 | $288.7M | $244.2M | $219.2M | $649.8k | 10.01% | 19,478 | 994 |
| 2021Q1 | $283.2M | $239.5M | $216.7M | $120.7k | 10.01% | 19,354 | 999 |
| 2020Q4 | $274.2M | $225.7M | $214.9M | $575.4k | 10.29% | 19,214 | 978 |
| 2020Q3 | $280.4M | $224.0M | $211.9M | $421.8k | 10.01% | 19,428 | 935 |
| 2020Q2 | $277.4M | $216.6M | $211.4M | $338.9k | 10.09% | 19,163 | 936 |
| 2020Q1 | $271.2M | $202.0M | $216.7M | $233.6k | 10.28% | 19,127 | 908 |
| 2019Q4 | $262.6M | $198.5M | $215.1M | $1.6M | 10.53% | 18,994 | 905 |
| 2019Q3 | $253.3M | $197.0M | $207.7M | $1.0M | 10.67% | 19,371 | 922 |
| 2019Q2 | $257.9M | $198.1M | $207.4M | $711.6k | 10.37% | 19,228 | 907 |
| 2019Q1 | $252.6M | $193.7M | $207.6M | $246.3k | 10.40% | 19,101 | 921 |
| 2018Q4 | $247.2M | $193.0M | $207.7M | $1.0M | 10.53% | 19,011 | 920 |
| 2018Q3 | $250.6M | $196.4M | $205.2M | $639.3k | 10.22% | 19,213 | 903 |
| 2018Q2 | $255.6M | $201.7M | $202.7M | $309.4k | 9.90% | 19,061 | 889 |
| 2018Q1 | $248.7M | $197.2M | $197.2M | $198.5k | 10.13% | 18,944 | 906 |
| 2017Q4 | $248.8M | $196.3M | $196.6M | $902.5k | 10.04% | 18,859 | 886 |
| 2017Q3 | $248.0M | $195.6M | $190.2M | $693.9k | 9.99% | 18,958 | 881 |
| 2017Q2 | $243.0M | $199.3M | $186.6M | $468.1k | 10.11% | 18,740 | 896 |
| 2017Q1 | $246.4M | $198.3M | $179.5M | $182.0k | 9.85% | 18,567 | 883 |
| 2016Q4 | $236.3M | $193.3M | $175.5M | $832.1k | 10.19% | 18,501 | 887 |
| 2016Q3 | $231.6M | $192.7M | $165.4M | $462.6k | 10.24% | 18,536 | 902 |
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