Credit union · NCUA insured
Cranberry FCU
Top CarrotA $62.7M credit union headquartered in West Wareham, MA, with 3,447 members and 2 branches in Massachusetts. Best rates: CDs 4.59% and savings 0.05% APY.
Cranberry FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#4 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cranberry FCU
Founded in 1962 in West Wareham, Massachusetts, Cranberry Federal Credit Union was established by teachers to serve the financial needs of educators in Plymouth County.
The member-owned credit union aims to serve and educate the entire Plymouth County community.
- Headquarters
- 2203 Cranberry Hwy, West Wareham, MA 02576-1210
- NCUA charter
- 14850
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- Main/Corporate OfficeMain office2203 Cranberry Hwy, West Wareham, MA 02576Directions
- Wareham High School "Viking" Branch7 Viking Dr, Wareham, MA 02571Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.19% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.66% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.25% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio8.19%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.66%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.25%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cranberry FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.