credit union · NCUA 9071 · MA
How big is DIRECT?
DIRECT (MA, NCUA charter 9071) reported total assets of $794.7M, 23,736 members and a net worth ratio of 11.36% in its Call Report for 2026Q2. That ranks 571 of 4,299 federally insured credit unions by assets, 92 of 280 among credit unions with $500m-$1b in assets, 16 of 121 credit unions in massachusetts.
What stands out
DIRECT (MA, NCUA charter 9071) reported total assets of $794.7M, 23,736 members and a net worth ratio of 11.36% in its Call Report for 2026Q2. That ranks 571 of 4,299 federally insured credit unions by assets, 92 of 280 among credit unions with $500m-$1b in assets, 16 of 121 credit unions in massachusetts. Against its size class: net worth ratio 11.36%, above the peer median of 10.59%; loan-to-share ratio 114.07%, above the peer median of 83.51%; return on assets 0.18%, below the peer median of 0.75%. At 11.36% 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 | $794.7M | $714.8M | $81.8M | $68.3M | record → |
| Shares and deposits | $622.0M | $614.6M | $67.8M | $58.3M | record → |
| Loans outstanding | $709.6M | $502.2M | $42.6M | $34.4M | record → |
| Net income (year to date) | $733.7k | $2.5M | $172.3k | $222.2k | record → |
| Net worth | $90.3M | $74.4M | $9.5M | $9.0M | record → |
| Net worth ratio | 11.36% | 10.59% | 12.11% | 12.65% | record → |
| Loan-to-share ratio | 114.07% | 83.51% | 76.11% | 68.70% | computed |
| Return on assets | 0.18% | 0.75% | 0.56% | 0.71% | computed |
| Members | 23,736 | 41,964 | 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 | $794.7M | $622.0M | $709.6M | $733.7k | 11.36% | 23,736 | 571 |
| 2026Q1 | $789.8M | $617.5M | $695.4M | $-189.3k | 11.32% | 23,538 | 569 |
| 2025Q4 | $785.9M | $615.0M | $700.2M | $-2.0M | 11.40% | 23,250 | 562 |
| 2025Q3 | $784.2M | $612.6M | $696.0M | $-1.4M | 11.54% | 23,561 | 555 |
| 2025Q2 | $788.7M | $616.5M | $691.4M | $-1.4M | 11.47% | 23,835 | 554 |
| 2025Q1 | $806.3M | $612.5M | $691.6M | $-821.9k | 11.29% | 24,146 | 542 |
| 2024Q4 | $805.4M | $602.3M | $697.2M | $-3.4M | 11.41% | 24,378 | 536 |
| 2024Q3 | $799.7M | $581.9M | $705.2M | $-1.7M | 11.74% | 24,957 | 539 |
| 2024Q2 | $824.4M | $606.4M | $715.7M | $-686.5k | 11.51% | 25,440 | 520 |
| 2024Q1 | $840.1M | $622.4M | $716.5M | $-547.7k | 11.32% | 25,994 | 514 |
| 2023Q4 | $835.8M | $614.6M | $727.7M | $268.3k | 11.44% | 26,008 | 510 |
| 2023Q3 | $815.5M | $621.4M | $727.0M | $1.1M | 11.86% | 26,666 | 515 |
| 2023Q2 | $834.1M | $639.5M | $729.1M | $1.2M | 11.61% | 26,685 | 503 |
| 2023Q1 | $848.5M | $654.1M | $730.4M | $903.9k | 11.38% | 27,100 | 497 |
| 2022Q4 | $835.1M | $638.9M | $727.7M | $2.1M | 11.47% | 27,446 | 503 |
| 2022Q3 | $824.5M | $634.2M | $711.2M | $1.4M | 11.54% | 27,865 | 506 |
| 2022Q2 | $806.7M | $626.9M | $698.8M | $1.1M | 11.75% | 28,421 | 509 |
| 2022Q1 | $749.8M | $606.4M | $631.4M | $239.9k | 12.53% | 28,421 | 530 |
| 2021Q4 | $718.2M | $581.1M | $598.1M | $3.7M | 13.05% | 28,657 | 539 |
| 2021Q3 | $720.5M | $581.7M | $581.1M | $3.1M | 12.92% | 29,607 | 532 |
| 2021Q2 | $737.2M | $602.6M | $586.7M | $2.0M | 12.48% | 30,747 | 512 |
| 2021Q1 | $752.5M | $617.6M | $599.1M | $938.5k | 12.08% | 31,951 | 508 |
| 2020Q4 | $755.4M | $622.3M | $631.2M | $4.4M | 11.91% | 32,204 | 483 |
| 2020Q3 | $757.8M | $616.9M | $642.8M | $5.2M | 11.98% | 32,594 | 466 |
| 2020Q2 | $783.5M | $628.0M | $653.4M | $4.1M | 11.45% | 32,967 | 449 |
| 2020Q1 | $767.5M | $606.0M | $665.3M | $4.2M | 11.70% | 33,073 | 429 |
| 2019Q4 | $757.8M | $599.6M | $666.7M | $2.4M | 11.29% | 32,923 | 422 |
| 2019Q3 | $735.1M | $587.3M | $659.1M | $1.9M | 11.58% | 32,812 | 427 |
| 2019Q2 | $724.9M | $577.9M | $638.2M | $1.3M | 11.65% | 32,374 | 431 |
| 2019Q1 | $712.0M | $566.0M | $616.7M | $649.9k | 11.77% | 31,609 | 432 |
| 2018Q4 | $686.6M | $540.5M | $615.3M | $3.9M | 12.11% | 31,246 | 432 |
| 2018Q3 | $676.4M | $530.2M | $597.2M | $2.8M | 12.13% | 30,616 | 432 |
| 2018Q2 | $652.6M | $518.3M | $582.9M | $1.8M | 12.41% | 29,845 | 445 |
| 2018Q1 | $632.1M | $488.3M | $556.2M | $802.1k | 12.66% | 28,782 | 453 |
| 2017Q4 | $606.8M | $463.2M | $547.1M | $4.1M | 13.06% | 27,977 | 457 |
| 2017Q3 | $578.0M | $445.9M | $528.0M | $3.0M | 13.52% | 27,407 | 474 |
| 2017Q2 | $571.8M | $440.4M | $512.6M | $1.9M | 13.48% | 27,010 | 476 |
| 2017Q1 | $555.7M | $431.0M | $499.9M | $876.1k | 13.68% | 26,334 | 488 |
| 2016Q4 | $524.0M | $409.4M | $477.1M | $3.0M | 14.34% | 25,348 | 492 |
| 2016Q3 | $511.1M | $399.0M | $454.5M | $1.8M | 14.48% | 24,622 | 500 |
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