UMASSFIVE COLLEGE Credit Union Profile

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UMASSFIVE COLLEGE

Charter #18181 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (413) 256-5500

Fax: (413) 253-9124

Founding Date: N/A

Website: http://www.umassfive.coop

Personnel & Operations

President: Watrous, Jacqueline

Manager: Kump, Richard

FT Employees: 121

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 14.26%

Membership Type: 34

Branches: 6

Hours: Monday - Friday 8:00 am - 5:00 pm Saturda

Credit Union Profile Summary

UMASSFIVE COLLEGE is a FCU Credit Union. With a total of 50,895 members [1], this institution manages approximately $705,083,555 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.11% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.09% [1].

Financial Snapshot

Total Assets [1]
$705,083,555

Total economic resources.

Total Loans [1]
$538,775,041

Total value of outstanding loans.

Total Deposits [1]
$623,330,550

Total funds deposited by members.

Members [1]
50,895

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.11%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.29%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
86.43%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.66%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -1.09%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.35%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

200 Westgate Center Dr

Hadley, MA, 01035
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 6 branches reported by UMASSFIVE COLLEGE (Charter #18181).

Main Office

Hadley Branch Main Office

Type: Corporate Office

200 Westgate Center Dr

Hadley, MA 01035

Phone: (413) 256-5500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Amherst

UMass Amherst Branch

Type: Branch Office

1 Campus Center Way

Room 224

Amherst, MA 01003

Phone: (413) 545-3830

Services: Member Services

Open in Directions

Leeds

Northampton VA

Type: Branch Office

421 N Main st

Building 1 Room 204

Leeds, MA 01053

Phone: (413) 256-5500

Services: Member Services, ATM

Open in Directions

Northampton

Northampton Branch

Type: Branch Office

245 King St

Northampton, MA 01060

Phone: (413) 256-5500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Springfield

Mercy Medical Center Branch

Type: Branch Office

233 Carew St Rm 110

Weldon Rehabilitation Hospital

Springfield, MA 01104-2377

Phone: (413) 256-5500

Services: Member Services

Open in Directions

Worcester

Worcester Branch

Type: Branch Office

5 Lake Ave N Rm S1-820

Worcester, MA 01605-2319

Phone: (508) 471-9100

Services: Member Services, ATM

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