MASS BAY
State-Chartered • South Boston, Massachusetts • Est. 1936
Quick Facts
- Charter Number
- #68137
- Type
- State-Chartered
- Established
- 1936
- Headquarters
- South Boston, Massachusetts 02127
- Address
- 147 W 4th St
- Branches
- 4
- ATMs
- 4
- Members
- 17,688
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
17,688 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MASS BAY |
|---|---|
| Total Assets | $367.7M |
| Members | 17,688 |
| Loans Outstanding | $305.8M |
| Shares & Deposits | $260.5M |
| Net Worth | $41.4M |
| Net Worth Ratio | 11.26% |
| Loan-to-Share Ratio | 117.4% |
| Delinquency Rate | 0.64% |
| Net Income | +$460,764 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 4 ATMs
Quincy Center
1250 Hancock St
Quincy, MA 02169
South Boston
Main Office147 W 4th St
South Boston, MA 02127
Everett
183 Main St
Everett, MA 02149
Seaport Branch
409 D Street
South Boston, MA 02127
Who Can Join MASS BAY?
Membership Type: Community
Membership eligibility for MASS BAY may vary. Contact the credit union directly to confirm qualification requirements.
Contact MASS BAY directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Massachusetts
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Massachusetts RankingsFrequently Asked Questions
MASS BAY is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, MASS BAY has 17,688 members and a potential membership field of 3,223,131 people.
MASS BAY's reported net worth ratio is 11.26% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
MASS BAY operates 4 branch locations and has access to 4 ATMs. The main office is located at 147 W 4th St, South Boston, MA 02127.
MASS BAY was established in 1936. It is a state-chartered credit union chartered under charter number 68137. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or MASS BAY. All financial data is for informational purposes only.