MASS BAY Credit Union Profile

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MASS BAY

Charter #68137 | NCUA Region 1 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (617) 269-2700

Fax:

Founding Date: N/A

Website: http://www.massbaycu.org

Personnel & Operations

President: Ahern, Jeremiah

Manager: Dorilas, Theresa

FT Employees: 48

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: 8:45 AM TO 4:15 PM

Credit Union Profile Summary

MASS BAY is a FISCU Credit Union. With a total of 18,204 members [1], this institution manages approximately $359,002,425 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.05% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.65% [1].

Financial Snapshot

Total Assets [1]
$359,002,425

Total economic resources.

Total Loans [1]
$299,963,875

Total value of outstanding loans.

Total Deposits [1]
$251,071,059

Total funds deposited by members.

Members [1]
18,204

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.05%

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]
0.44%

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

Loan-to-Share Ratio [1]
119.47%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.93%

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

Loan Growth (4Q) [1]
↑ 1.65%

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

Member Growth (4Q) [1]
↓ -2.81%

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

Headquarters Location & Map

Headquarters Address

147 W 4TH ST

SOUTH BOSTON, MA, 02127
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 4 branches reported by MASS BAY (Charter #68137).

Main Office

South Boston Main Office

Type: Corporate Office

147 W 4th St

South Boston, MA 02127

Phone: (617) 269-2700

Services: Member Services, ATM

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Additional Branches

Everett

Everett

Type: Branch Office

183 Main St

Everett, MA 02149

Phone: (617) 269-2700

Services: Member Services, ATM, Drive-Thru

Open in Directions

Quincy

Quincy Center

Type: Branch Office

1250 Hancock St

Quincy, MA 02169

Phone: (617) 269-2700

Services: Member Services, ATM

Open in Directions

South Boston

Seaport Branch

Type: Branch Office

409 D Street

South Boston, MA 02127

Phone: (617) 269-2700

Services: Member Services, ATM

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