Charter 3830 · Lexington, MA
Mass. Institute of Tech. Federal Credit Union
Mass. Institute of Tech. Federal Credit Union is a federally chartered credit union in Lexington, Massachusetts, with $731 million in assets and 35,749 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.90%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $731 million
- +3.2% in a year
- Members
- 35,749
- +3.6% in a year
- Net worth ratio
- 9.90%
- Peer median 10.79%
- Loans 60+ days late
- 1.09%
- Peer median 0.67%
- Loans outstanding
- $551 million
- +1.6% in a year
- Shares and deposits
- $649 million
- +2.2% in a year
- Branches
- 4
- 96 employees
- Opened
- 1940
- Federal charter
How Mass. Institute of Tech. Federal Credit Union compares
NCUA groups credit unions by size; Mass. Institute of Tech. Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.90% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.09%, is higher than the group median of 0.67%. Loans grew 1.6% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 20 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 | $731 million | 35,749 | $551 million | 9.90% | 1.09% |
| Q1 2026 | $743 million | 35,226 | $536 million | 9.67% | 1.05% |
| Q4 2025 | $743 million | 34,833 | $534 million | 9.63% | 1.11% |
| Q3 2025 | $729 million | 34,821 | $535 million | 9.75% | 1.00% |
| Q2 2025 | $708 million | 34,500 | $543 million | 9.89% | 0.73% |
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 400,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Mass. Institute of Tech. Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
70 Westview St, Lexington, MA 02421 - MIT Lincoln Laboratory Branch
244 Wood St # Lina-100, Lexington, MA 02421 - MIT Student Center Branch
84 Massachusetts Ave, Cambridge, MA 02139 - Operations Center
70 Westview St, Lexington, MA 02421 - MIT FCU Tech Sq. Branch
700 Technology Sq, Cambridge, MA 02139
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