Charter 66597 · Chicopee, MA
Polish National Credit Union
Polish National Credit Union is a state-chartered credit union in Chicopee, Massachusetts, with $777 million in assets and 28,682 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.58%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $777 million
- +2.6% in a year
- Members
- 28,682
- +0.0% in a year
- Net worth ratio
- 13.58%
- Peer median 10.79%
- Loans 60+ days late
- 0.17%
- Peer median 0.67%
- Loans outstanding
- $641 million
- +4.2% in a year
- Shares and deposits
- $615 million
- +2.5% in a year
- Branches
- 8
- 144 employees
- Opened
- 1921
- Massachusetts charter
How Polish National Credit Union compares
NCUA groups credit unions by size; Polish National Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.58% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.17%, is lower than the group median of 0.67%. Loans grew 4.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 17 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 | $777 million | 28,682 | $641 million | 13.58% | 0.17% |
| Q1 2026 | $765 million | 28,647 | $627 million | 13.67% | 0.37% |
| Q4 2025 | $759 million | 28,606 | $622 million | 13.63% | 0.14% |
| Q3 2025 | $761 million | 28,711 | $625 million | 13.51% | 0.25% |
| Q2 2025 | $757 million | 28,678 | $616 million | 13.48% | 0.26% |
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 1.6 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 8 sites for Polish National Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Granby Office
34 W State St, Granby, MA 01033 - Westfield Office
1 Parkside Ave, Westfield, MA 01085 - Southampton Office
32 College Hwy, Southampton, MA 01073 - Hampden
25 E Longmeadow Rd, Hampden, MA 01036 - Chicopee Comprehensive High School
617 Montgomery St, Chicopee, MA 01020 - Wilbraham Office
202 Boston Rd, Wilbraham, MA 01095 - Front Street (main office)
923 Front St, Chicopee, MA 01020 - East Longmeadow Office
232 N Main St, East Longmeadow, MA 01028
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