RANKING ·
Largest net interest margin improvement in Massachusetts
58 of 121 credit unions in Massachusetts that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and a comparable quarter a year earlier. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Net interest margin, change over 12 months | Total assets |
|---|---|---|---|---|
| 1 | Greater Springfield Credit Union | Springfield, MA | +63 bps | $230 million |
| 2 | Align Credit Union | Lowell, MA | +59 bps | $651 million |
| 3 | St. Anne'S Credit Union | Fall River, MA | +51 bps | $1.4 billion |
| 4 | Holyoke Credit Union | Holyoke, MA | +50 bps | $296 million |
| 5 | Alden Credit Union | Chicopee, MA | +48 bps | $185 million |
| 6 | Jeanne D'Arc Credit Union | Lowell, MA | +46 bps | $2.2 billion |
| 7 | Direct Federal Credit Union | Needham, MA | +46 bps | $795 million |
| 8 | Webster First Federal Credit Union | Worcester, MA | +46 bps | $1.5 billion |
| 9 | Naveo Credit Union | Somerville, MA | +45 bps | $176 million |
| 10 | Luso Federal Credit Union | Ludlow, MA | +40 bps | $245 million |
| 11 | Tewksbury Federal Credit Union | Tewksbury, MA | +39 bps | $101 million |
| 12 | Homefield Credit Union | North Grafton, MA | +39 bps | $170 million |
| 13 | Energy Credit Union | West Roxbury, MA | +38 bps | $129 million |
| 14 | Sharon & Crescent United Credit Union | Sharon, MA | +36 bps | $1.4 billion |
| 15 | St. Michaels Fall River Federal Credit Union | Fall River, MA | +34 bps | $121 million |
| 16 | Brotherhood Credit Union | Lynn, MA | +34 bps | $125 million |
| 17 | Umassfive College Federal Credit Union | Hadley, MA | +32 bps | $703 million |
| 18 | Liberty Bay Credit Union | Braintree, MA | +31 bps | $827 million |
| 19 | Fall River Municipal Credit Union | Fall River, MA | +30 bps | $316 million |
| 20 | Quincy Credit Union | Quincy, MA | +25 bps | $729 million |
| 21 | Gfa Federal Credit Union | Gardner, MA | +25 bps | $747 million |
| 22 | Metrowest Community Federal Credit Union | Framingham, MA | +25 bps | $147 million |
| 23 | All One Credit Union | Leominster, MA | +23 bps | $881 million |
| 24 | St. Mary'S Credit Union | Marlborough, MA | +23 bps | $1.0 billion |
| 25 | Shrewsbury Federal Credit Union | Shrewsbury, MA | +22 bps | $249 million |
| 26 | Pioneer Valley Federal Credit Union | Springfield, MA | +22 bps | $167 million |
| 27 | Polish National Credit Union | Chicopee, MA | +22 bps | $777 million |
| 28 | Metro Credit Union | Chelsea, MA | +19 bps | $3.3 billion |
| 29 | Harvard Federal Credit Union | Cambridge, MA | +18 bps | $1.2 billion |
| 30 | Nesc Federal Credit Union | Methuen, MA | +18 bps | $126 million |
| 31 | River Works Credit Union | Lynn, MA | +18 bps | $193 million |
| 32 | Massmutual Federal Credit Union | Springfield, MA | +17 bps | $344 million |
| 33 | Southbridge Credit Union | Southbridge, MA | +17 bps | $242 million |
| 34 | Central One Federal Credit Union | Shrewsbury, MA | +14 bps | $872 million |
| 35 | Mass. Institute of Tech. Federal Credit Union | Lexington, MA | +14 bps | $731 million |
| 36 | Millbury Federal Credit Union | Millbury, MA | +14 bps | $468 million |
| 37 | Greylock Federal Credit Union | Pittsfield, MA | +13 bps | $1.8 billion |
| 38 | Mass Bay Credit Union | South Boston, MA | +13 bps | $367 million |
| 39 | Somerset Federal Credit Union | Somerset, MA | +11 bps | $263 million |
| 40 | Tremont Credit Union | Boston, MA | +10 bps | $256 million |
| 41 | Brightbridge Credit Union | Lawrence, MA | +10 bps | $2.4 billion |
| 42 | St. Jean'S Credit Union | Lynn, MA | +10 bps | $373 million |
| 43 | Hanscom Federal Credit Union | Hanscom Afb, MA | +10 bps | $2.2 billion |
| 44 | Rockland Federal Credit Union | Rockland, MA | +9 bps | $3.8 billion |
| 45 | Taunton Federal Credit Union | Taunton, MA | +9 bps | $440 million |
| 46 | Workers Federal Credit Union | Littleton, MA | +6 bps | $2.5 billion |
| 47 | New Bedford Credit Union | New Bedford, MA | +3 bps | $169 million |
| 48 | Alltrust Credit Union | Fairhaven, MA | +2 bps | $280 million |
| 49 | Luso-American Credit Union | Peabody, MA | 0 bps | $123 million |
| 50 | Freedom Credit Union | Springfield, MA | 0 bps | $764 million |
| 51 | First Priority Credit Union | Boston, MA | 0 bps | $139 million |
| 52 | Worcester Credit Union | Worcester, MA | -2 bps | $107 million |
| 53 | Boston Firefighters Credit Union | Dorchester, MA | -5 bps | $453 million |
| 54 | City of Boston Credit Union | South Boston, MA | -9 bps | $544 million |
| 55 | I-C Federal Credit Union | Fitchburg, MA | -10 bps | $583 million |
| 56 | Members Plus Credit Union | Medford, MA | -15 bps | $349 million |
| 57 | First Citizens' Federal Credit Union | Fairhaven, MA | -17 bps | $706 million |
| 58 | Common Trust Federal Credit Union | Woburn, MA | -161 bps | $101 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings