Methuen Federal Credit Union (10954), a $38.7M credit union headquartered in Methuen, MA, led by CEO Moisan, reported $34.7M in member deposits at the end of 2025 Q3, an increase of $1.3M (+3.9%) compared to the same quarter last year.
The credit union's 51.7% loan-to-share ratio underscores balance sheet flexibility with room for additional lending capacity.
Taken together: funding position remains adequate for current lending levels.
Deposit Composition
Methuen Federal Credit Union's deposit portfolio is led by Regular Shares, comprising 51.5% of total deposits—basic savings accounts with no withdrawal restrictions. The heavy concentration in liquid shares provides operational flexibility but may pressure net interest margin in a rising rate environment.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Regular Shares | $17.9M | 51.5% | -0.2% |
| Share Certificates | $11.3M | 32.7% | +12.7% |
| Share Drafts | $3.7M | 10.5% | +11.6% |
| IRA/KEOGH | $848K | 2.4% | -11.1% |
| Money Market | $839K | 2.4% | -20.3% |
| Other Shares | $155K | 0.4% | -5.4% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Moderate deposit growth suggests stable member relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $34.1M | $14K | |
| 2024 Q3 | $33.4M | -1.9% | $13K |
| 2024 Q4 | $33.3M | -0.2% | $13K |
| 2025 Q1 | $34.0M | +1.9% | $14K |
| 2025 Q2 | $34.6M | +1.7% | $14K |
| 2025 Q3 | $34.7M | +0.4% | $14K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Methuen Federal Credit Union serves 2,523 members, an increase of 1.2% year-over-year. The average member deposit of $14K has grown 2.6% compared to last year.
Deposit growth exceeding member growth suggests existing members are increasing their balances, a sign of deepening relationships.
Historical Context: Since the 2008 Crisis
Methuen Federal Credit Union's deposit base has grown 161% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $13.3M in member deposits serving 2,490 members.
Membership has expanded 1% over this period, showing stable membership retention.
Peer Comparison
Among 990 credit unions in its $19.4M–$58.1M asset peer group, Methuen Federal Credit Union ranks in the 70th percentile for deposit growth.
Outlook
Methuen Federal Credit Union's deposit trajectory will depend on rate competitiveness, member retention efforts, and the broader economic environment affecting member savings behavior.
Methuen Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Methuen Federal Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.