RANKING ·
Lowest efficiency ratio 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 positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Brotherhood Credit Union | Lynn, MA | 22.2% | $125 million |
| 2 | Greater Springfield Credit Union | Springfield, MA | 55.3% | $230 million |
| 3 | Webster First Federal Credit Union | Worcester, MA | 56.6% | $1.5 billion |
| 4 | Rockland Federal Credit Union | Rockland, MA | 58.8% | $3.8 billion |
| 5 | Sharon & Crescent United Credit Union | Sharon, MA | 67.4% | $1.4 billion |
| 6 | Shrewsbury Federal Credit Union | Shrewsbury, MA | 67.8% | $249 million |
| 7 | St. Michaels Fall River Federal Credit Union | Fall River, MA | 70.2% | $121 million |
| 8 | St. Anne'S Credit Union | Fall River, MA | 70.5% | $1.4 billion |
| 9 | Worcester Credit Union | Worcester, MA | 72.0% | $107 million |
| 10 | Quincy Credit Union | Quincy, MA | 72.3% | $729 million |
| 11 | First Citizens' Federal Credit Union | Fairhaven, MA | 72.8% | $706 million |
| 12 | Taunton Federal Credit Union | Taunton, MA | 75.0% | $440 million |
| 13 | Metrowest Community Federal Credit Union | Framingham, MA | 76.3% | $147 million |
| 14 | Greylock Federal Credit Union | Pittsfield, MA | 76.5% | $1.8 billion |
| 15 | Pioneer Valley Federal Credit Union | Springfield, MA | 77.3% | $167 million |
| 16 | Energy Credit Union | West Roxbury, MA | 77.8% | $129 million |
| 17 | Boston Firefighters Credit Union | Dorchester, MA | 78.4% | $453 million |
| 18 | Somerset Federal Credit Union | Somerset, MA | 79.0% | $263 million |
| 19 | Metro Credit Union | Chelsea, MA | 79.0% | $3.3 billion |
| 20 | Holyoke Credit Union | Holyoke, MA | 79.1% | $296 million |
| 21 | Luso Federal Credit Union | Ludlow, MA | 80.4% | $245 million |
| 22 | Direct Federal Credit Union | Needham, MA | 80.5% | $795 million |
| 23 | Central One Federal Credit Union | Shrewsbury, MA | 80.9% | $872 million |
| 24 | Liberty Bay Credit Union | Braintree, MA | 81.0% | $827 million |
| 25 | Southbridge Credit Union | Southbridge, MA | 81.0% | $242 million |
| 26 | New Bedford Credit Union | New Bedford, MA | 81.2% | $169 million |
| 27 | Brightbridge Credit Union | Lawrence, MA | 81.4% | $2.4 billion |
| 28 | Umassfive College Federal Credit Union | Hadley, MA | 81.4% | $703 million |
| 29 | Massmutual Federal Credit Union | Springfield, MA | 82.0% | $344 million |
| 30 | Mass Bay Credit Union | South Boston, MA | 82.1% | $367 million |
| 31 | Jeanne D'Arc Credit Union | Lowell, MA | 82.6% | $2.2 billion |
| 32 | Fall River Municipal Credit Union | Fall River, MA | 83.1% | $316 million |
| 33 | Freedom Credit Union | Springfield, MA | 83.4% | $764 million |
| 34 | Harvard Federal Credit Union | Cambridge, MA | 83.7% | $1.2 billion |
| 35 | Luso-American Credit Union | Peabody, MA | 84.3% | $123 million |
| 36 | Tewksbury Federal Credit Union | Tewksbury, MA | 85.7% | $101 million |
| 37 | St. Jean'S Credit Union | Lynn, MA | 85.9% | $373 million |
| 38 | Nesc Federal Credit Union | Methuen, MA | 87.5% | $126 million |
| 39 | Polish National Credit Union | Chicopee, MA | 87.6% | $777 million |
| 40 | Hanscom Federal Credit Union | Hanscom Afb, MA | 88.6% | $2.2 billion |
| 41 | River Works Credit Union | Lynn, MA | 89.1% | $193 million |
| 42 | St. Mary'S Credit Union | Marlborough, MA | 89.4% | $1.0 billion |
| 43 | Naveo Credit Union | Somerville, MA | 89.5% | $176 million |
| 44 | Millbury Federal Credit Union | Millbury, MA | 89.9% | $468 million |
| 45 | Mass. Institute of Tech. Federal Credit Union | Lexington, MA | 90.1% | $731 million |
| 46 | Alden Credit Union | Chicopee, MA | 90.5% | $185 million |
| 47 | First Priority Credit Union | Boston, MA | 90.5% | $139 million |
| 48 | Homefield Credit Union | North Grafton, MA | 90.8% | $170 million |
| 49 | City of Boston Credit Union | South Boston, MA | 90.8% | $544 million |
| 50 | All One Credit Union | Leominster, MA | 92.8% | $881 million |
| 51 | Common Trust Federal Credit Union | Woburn, MA | 93.5% | $101 million |
| 52 | Tremont Credit Union | Boston, MA | 97.4% | $256 million |
| 53 | Workers Federal Credit Union | Littleton, MA | 101.0% | $2.5 billion |
| 54 | I-C Federal Credit Union | Fitchburg, MA | 103.7% | $583 million |
| 55 | Align Credit Union | Lowell, MA | 106.3% | $651 million |
| 56 | Gfa Federal Credit Union | Gardner, MA | 106.4% | $747 million |
| 57 | Members Plus Credit Union | Medford, MA | 116.0% | $349 million |
| 58 | Alltrust Credit Union | Fairhaven, MA | 140.1% | $280 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings