credit union

I-C

Fitchburg, MA · Est. 1934

Trust Grade

Average

Score: 78/100

I-C is a credit union based in Fitchburg, Massachusetts, established in 1934, with $547 million in total assets serving 36,874 members. By Trust Grade it ranks 116th of 122 credit unions we track in Massachusetts. Its net worth ratio of 9.2% trails most similarly sized credit unions (18th percentile), versus a Massachusetts median of 12%. It posted a loss over the most recent period (-0.21% return on assets), a point to watch. No consumer complaints against I-C appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets

$547.3M

$100M–1B institution

Members

36,874

Shares & deposits

—

Net worth ratio

9.2%

Bottom 18% of $100M–1B peers · Massachusetts median 12%

Return on assets

-0.2%

Bottom 5% of $100M–1B peers · Massachusetts median 0.55%

Rank in Massachusetts

#116

of 122 credit unions

How I-C compares to Massachusetts peers

Net worth ratio

Bottom 18% of $100M–1B peers

I-C

9.2%

Massachusetts median

12.0%

Higher capital ratio = stronger financial cushion

Return on assets

Bottom 5% of $100M–1B peers

I-C

-0.2%

Massachusetts median

0.6%

Higher ROA = more profitable relative to asset base

How we graded I-C

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength

78/100

Customer experience

n/a

Overall

C · 78

Well-capitalized (9.2% capital ratio)
Unprofitable over the period (ROA -0.21%)
No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for I-C over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at I-C insured?

Yes. I-C is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

I-C: frequently asked questions

Is I-C a good credit union?

I-C earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (9.2% capital ratio); Unprofitable over the period (ROA -0.21%).

Is I-C NCUA-insured?

Yes. I-C is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is I-C?

I-C holds $547 million in total assets, ranking 116th of 122 credit unions we track in Massachusetts. It serves 36,874 members.

Does I-C have CFPB complaints?

No CFPB complaints against I-C appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.