Charter 18181 · Hadley, MA
Umassfive College Federal Credit Union
Umassfive College Federal Credit Union is a federally chartered credit union in Hadley, Massachusetts, with $703 million in assets and 51,576 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.67%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $703 million
- -0.3% in a year
- Members
- 51,576
- +1.3% in a year
- Net worth ratio
- 9.67%
- Peer median 10.79%
- Loans 60+ days late
- 1.02%
- Peer median 0.67%
- Loans outstanding
- $542 million
- +0.6% in a year
- Shares and deposits
- $632 million
- +1.4% in a year
- Branches
- 7
- 134 employees
- Opened
- 1967
- Federal charter
How Umassfive College Federal Credit Union compares
NCUA groups credit unions by size; Umassfive College Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.67% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.02%, is higher than the group median of 0.67%. Loans grew 0.6% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 23 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 | $703 million | 51,576 | $542 million | 9.67% | 1.02% |
| Q1 2026 | $712 million | 51,124 | $543 million | 9.50% | 0.98% |
| Q4 2025 | $704 million | 50,733 | $544 million | 9.45% | 0.92% |
| Q3 2025 | $704 million | 51,515 | $546 million | 9.37% | 0.88% |
| Q2 2025 | $705 million | 50,895 | $539 million | 9.11% | 0.94% |
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 81,997 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 6 sites for Umassfive College 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.
- Hadley Branch (main office)
200 Westgate Center Dr, Hadley, MA 01035 - Worcester Branch
5 Lake Ave N Rm S1-820, Worcester, MA 01605 - UMass Amherst Branch
1 Campus Center Way, Amherst, MA 01003 - Northampton Branch
245 King St, Northampton, MA 01060 - Mercy Medical Center Branch
233 Carew St Rm 110, Springfield, MA 01104 - Northampton VA
421 N Main St, Leeds, MA 01053
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