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
- 17,626
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
17,626 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | MASS BAY |
|---|---|
| Total Assets | $362.4M |
| Members | 17,626 |
| Loans Outstanding | $307.8M |
| Shares & Deposits | $253.6M |
| Net Worth | $41.0M |
| Net Worth Ratio | 11.30% |
| Loan-to-Share Ratio | 121.4% |
| Delinquency Rate | 0.78% |
| Net Income | +$2,403,158 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Massachusetts RankingsFrequently Asked Questions
Yes. MASS BAY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, MASS BAY has 17,626 members and a potential membership field of 3,223,131 people.
MASS BAY's net worth ratio is 11.30% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, MASS BAY meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or MASS BAY. All financial data is for informational purposes only.