POLISH NATIONAL Credit Union Profile

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POLISH NATIONAL

Charter #66597 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (413) 592-5108

Fax: (413) 278-5009

Founding Date: N/A

Website: http://www.pncu.com

Personnel & Operations

President: Ziemba, Gary

Manager: Kelly, James

FT Employees: 123

PT Employees: 20

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 8

Hours: Mon-Wed, 8:45 am ? 4:00 pm, Thurs- Fri, 8:4

Credit Union Profile Summary

POLISH NATIONAL is a FISCU Credit Union. With a total of 28,678 members ^[1], this institution manages approximately $757,145,221 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.48% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.11% ^[1].

Financial Snapshot

Total Assets ^[1]

$757,145,221

Total economic resources.

Total Loans ^[1]

$615,736,294

Total value of outstanding loans.

Total Deposits ^[1]

$599,310,723

Total funds deposited by members.

Members ^[1]

28,678

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

13.48%

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]

0.37%

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

Loan-to-Share Ratio ^[1]

102.74%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.16%

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

Loan Growth (4Q) ^[1]

↑ 4.11%

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

Member Growth (4Q) ^[1]

↑ 2.07%

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

Headquarters Location & Map

Headquarters Address

923 Front St

Chicopee, MA, 01020-1723

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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