South Boston, MA · State Credit Union · Chartered in MA
Who can join
State government employees (special charter)
Members
17,688
Net Worth Ratio
11.26%
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
$367.7M
Total Shares
$260.5M
Total Loans
$305.8M
Net Income
$461K
Net Worth Ratio
11.26%
≥7% = Well Capitalized
Members
17,688
Return on Assets
0.13%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.32%
$982K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 618 | 314 | 151 | 50.8% | 24.4% |
| 2022 | 91 | 42 | 25 | 46.1% | 27.5% |
| 2021 | 25 | 8 | 3 | 32.0% | 12.0% |
No CFPB complaint data available for this credit union.
South Boston
147 W 4th St, South Boston, MA, 02127
8:45 AM to 4:15 PM
Quincy Center
1250 Hancock St, Quincy, MA, 02169
8:45 AM to 4:15 PM
Everett
183 Main St, Everett, MA, 02149
8:45am-4:15pm
Seaport Branch
409 D Street, South Boston, MA, 02127
8:45 to 4:15 M-W, F8:45 to 6:00 Th
Copy the snippet below to embed a link to this profile on your website.
<a href="https://bankscorer.com/credit-union/mass-bay" target="_blank" rel="noopener">View MASS BAY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 117.4%· healthy range 60–80%