Mass Bay
Mass Bay is a credit union based in South Boston, Massachusetts, established in 1936, with $368 million in total assets serving 17,688 members. By Trust Grade it ranks 68th of 122 credit unions we track in Massachusetts. Its net worth ratio of 11.3% is stronger than 50% of similarly sized credit unions, versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 0.50% return on assets. No consumer complaints against Mass Bay appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Mass Bay compares to Massachusetts peers
How we graded Mass Bay
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.3% capital ratio)
- Profitable (ROA 0.50%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Mass Bay over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Mass Bay insured?
Yes. Mass Bay 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.
Mass Bay: frequently asked questions
Is Mass Bay a good credit union?
Mass Bay earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Strongly capitalized (11.3% capital ratio); Profitable (ROA 0.50%).
Is Mass Bay NCUA-insured?
Yes. Mass Bay 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 Mass Bay?
Mass Bay holds $368 million in total assets, ranking 68th of 122 credit unions we track in Massachusetts. It serves 17,688 members.
Does Mass Bay have CFPB complaints?
No CFPB complaints against Mass Bay appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
