Charter 68137 · South Boston, MA
Mass Bay Credit Union
Mass Bay Credit Union is a state-chartered credit union in South Boston, Massachusetts, with $367 million in assets and 17,761 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.46%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $367 million
- +2.2% in a year
- Members
- 17,761
- -2.4% in a year
- Net worth ratio
- 11.46%
- Peer median 11.65%
- Loans 60+ days late
- 0.89%
- Peer median 0.70%
- Loans outstanding
- $305 million
- +1.7% in a year
- Shares and deposits
- $260 million
- +3.4% in a year
- Branches
- 4
- 53 employees
- Opened
- 1936
- Massachusetts charter
How Mass Bay Credit Union compares
NCUA groups credit unions by size; Mass Bay Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.46% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.89%, is higher than the group median of 0.70%. Loans grew 1.7% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 31 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $367 million | 17,761 | $305 million | 11.46% | 0.89% |
| Q1 2026 | $368 million | 17,688 | $306 million | 11.26% | 0.64% |
| Q4 2025 | $362 million | 17,626 | $308 million | 11.30% | 0.78% |
| Q3 2025 | $362 million | 18,222 | $307 million | 11.15% | 0.74% |
| Q2 2025 | $359 million | 18,204 | $300 million | 11.05% | 0.71% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.2 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Mass Bay Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Quincy Center
1250 Hancock St, Quincy, MA 02169 - South Boston (main office)
147 W 4Th St, South Boston, MA 02127 - Everett
183 Main St, Everett, MA 02149 - Seaport Branch
409 D Street, South Boston, MA 02127
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology