Holyoke, MA · State Credit Union · Chartered in MA
Who can join
State government employees (special charter)
Members
21,601
Net Worth Ratio
8.94%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$299.4M
Total Shares
$243.1M
Total Loans
$197.8M
Net Income
$315K
Net Worth Ratio
8.94%
≥7% = Well Capitalized
Members
21,601
Return on Assets
0.11%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.18%
$350K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 283 | 153 | 47 | 54.1% | 16.6% |
| 2022 | 319 | 200 | 51 | 62.7% | 16.0% |
| 2021 | 493 | 305 | 72 | 61.9% | 14.6% |
No CFPB complaint data available for this credit union.
Holyoke Office
490 Westfield Rd, Holyoke, MA, 01040-1600
Monday- Thursday 8:00 am - 4:00 pm Friday 8:00 am - 5:00 pm Saturday 9:00 am - 12:00 pm
West Springfield Office
85 Elm St, West Springfield, MA, 01089-2704
Monday- Thursday 8:00 am - 4:00 pm Friday 8:00 am - 5:00 pm Saturday 9:00 am - 12:00 pm
Agawam Office
14 N Westfield St, Feeding Hills, MA, 01030-1606
Monday- Thursday 8:00 am - 4:00 pm Friday 9:00 am - 5:00 pm Saturday 9:00 - 12:00 pm
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<a href="https://bankscorer.com/credit-union/holyoke" target="_blank" rel="noopener">View HOLYOKE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 81.4%· healthy range 60–80%