POLISH NATIONAL
State-Chartered • Chicopee, Massachusetts • Est. 1921
Quick Facts
- Charter Number
- #66597
- Type
- State-Chartered
- Established
- 1921
- Headquarters
- Chicopee, Massachusetts 01020
- Address
- 923 Front Street
- Branches
- 8
- ATMs
- 10
- Members
- 28,606
- 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
28,606 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | POLISH NATIONAL |
|---|---|
| Total Assets | $759.2M |
| Members | 28,606 |
| Loans Outstanding | $621.8M |
| Shares & Deposits | $603.5M |
| Net Worth | $103.5M |
| Net Worth Ratio | 13.63% |
| Loan-to-Share Ratio | 103.0% |
| Delinquency Rate | 0.14% |
| Net Income | +$2,833,791 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 10 ATMs
Granby Office
34 W State St
Granby, MA 01033-9450
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
Who Can Join POLISH NATIONAL?
Membership Type: Community
Membership eligibility for POLISH NATIONAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact POLISH NATIONAL 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. POLISH NATIONAL 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, POLISH NATIONAL has 28,606 members and a potential membership field of 1,570,990 people.
POLISH NATIONAL's net worth ratio is 13.63% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.6%, POLISH NATIONAL meets this threshold.
POLISH NATIONAL operates 8 branch locations and has access to 10 ATMs. The main office is located at 923 Front St, Chicopee, MA 01020-1723.
POLISH NATIONAL was established in 1921. It is a state-chartered credit union chartered under charter number 66597. The institution has been serving members for 105 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or POLISH NATIONAL. All financial data is for informational purposes only.