| # | Institution | Type | Metro | Assets | Efficiency ratio |
|---|---|---|---|---|---|
| 1 | 42 North Private Bank Canton, MA | Bank | Boston-Cambridge-Newton, MA-NH | $182.2M | 481.58% |
| 2 | North Adams M E Federal Credit Union North Adams, MA | Credit Union | — | $2.3M | 137.89% |
| 3 | Members Plus Credit Union Medford, MA | Credit Union | — | $356.4M | 118.21% |
| 4 | Align Credit Union Lowell, MA | Credit Union | — | $642.1M | 111.42% |
| 5 | OneUnited Bank Boston, MA | Bank | Boston-Cambridge-Newton, MA-NH | $637.9M | 107.54% |
| 6 | Alltrust Credit Union Fairhaven, MA | Credit Union | — | $291.3M | 107.13% |
| 7 | Athol Credit Union Athol, MA | Credit Union | — | $97.3M | 106.24% |
| 8 | Tremont Credit Union Boston, MA | Credit Union | — |
| $258.7M |
| 105.54% |
| 9 | M.O.S.E.S. Federal Credit Union Boston, MA | Credit Union | — | $1.5M | 102.54% |
| 10 | Workers Federal Credit Union Littleton, MA | Credit Union | — | $2.51B | 101.98% |
| 11 | Somerville School Employees Federal Credit Union Somerville, MA | Credit Union | — | $23.1M | 101.86% |
| 12 | St. Michaels Fall River Federal Credit Union Fall River, MA | Credit Union | — | $123.6M | 101.62% |
| 13 | I-C Federal Credit Union Fitchburg, MA | Credit Union | — | $547.3M | 99.74% |
| 14 | Common Trust Federal Credit Union Woburn, MA | Credit Union | — | $98.1M | 99.62% |
| 15 | Rollstone Bank & Trust Fitchburg, MA | Bank | Worcester, MA-CT | $816.3M | 99.08% |
| 16 | Direct Federal Credit Union Needham, MA | Credit Union | — | $789.8M | 98.24% |
| 17 | Wrentham Co-operative Bank Wrentham, MA | Bank | Boston-Cambridge-Newton, MA-NH | $192.6M | 98.00% |
| 18 | The Cooperative Bank Roslindale, MA | Bank | Boston-Cambridge-Newton, MA-NH | $548.3M | 97.16% |
| 19 | Winter Hill Bank, FSB Somerville, MA | Bank | Boston-Cambridge-Newton, MA-NH | $407.9M | 96.93% |
| 20 | Fall River Municipal Credit Union Fall River, MA | Credit Union | — | $315.1M | 96.56% |
| 21 | North Cambridge Co-operative Bank Cambridge, MA | Bank | Boston-Cambridge-Newton, MA-NH | $87.1M | 95.80% |
| 22 | Manchester Federal Credit Union Manchester, MA | Credit Union | — | $1.3M | 95.79% |
| 23 | Mass. Institute Of Tech. Federal Credit Union Lexington, MA | Credit Union | — | $743.0M | 95.20% |
| 24 | Homefield Credit Union North Grafton, MA | Credit Union | — | $170.6M | 94.49% |
| 25 | The Savings Bank Wakefield, MA | Bank | Boston-Cambridge-Newton, MA-NH | $891.0M | 94.41% |
| 26 | St. Jean's Credit Union Lynn, MA | Credit Union | — | $377.3M | 94.23% |
| 27 | New Valley Bank & Trust Springfield, MA | Bank | Springfield, MA | $385.0M | 94.11% |
| 28 | Chelsea Employees Federal Credit Union Chelsea, MA | Credit Union | — | $21.2M | 93.83% |
| 29 | The Pittsfield Co-operative Bank Pittsfield, MA | Bank | Pittsfield, MA | $451.5M | 93.62% |
| 30 | Clinton Savings Bank Clinton, MA | Bank | Worcester, MA-CT | $744.7M | 93.16% |
| 31 | Middlesex Federal Savings, F.A. Somerville, MA | Bank | Boston-Cambridge-Newton, MA-NH | $654.4M | 93.09% |
| 32 | All One Credit Union Leominster, MA | Credit Union | — | $864.4M | 91.93% |
| 33 | First Priority Credit Union Boston, MA | Credit Union | — | $143.2M | 91.67% |
| 34 | Allcom Credit Union Worcester, MA | Credit Union | — | $82.7M | 91.49% |
| 35 | Millbury Federal Credit Union Millbury, MA | Credit Union | — | $478.3M | 90.73% |
| 36 | Worcester Police Department Federal Credit Union Worcester, MA | Credit Union | — | $25.2M | 90.52% |
| 37 | St. Mary's Credit Union Marlborough, MA | Credit Union | — | $1.04B | 90.45% |
| 38 | Naveo Credit Union Somerville, MA | Credit Union | — | $174.6M | 90.30% |
| 39 | Luso-American Credit Union Peabody, MA | Credit Union | — | $122.8M | 90.26% |
| 40 | Washington Savings Bank Lowell, MA | Bank | Boston-Cambridge-Newton, MA-NH | $302.3M | 90.15% |
| 41 | Notre Dame Community Federal Credit Union Fall River, MA | Credit Union | — | $57.4M | 89.99% |
| 42 | Alden Credit Union Chicopee, MA | Credit Union | — | $187.9M | 89.69% |
| 43 | Hanscom Federal Credit Union Hanscom Afb, MA | Credit Union | — | $2.19B | 88.94% |
| 44 | Newburyport Five Cents Savings Bank Newburyport, MA | Bank | Boston-Cambridge-Newton, MA-NH | $1.57B | 88.78% |
| 45 | Nesc Federal Credit Union Methuen, MA | Credit Union | — | $125.8M | 87.73% |
| 46 | Southbridge Credit Union Southbridge, MA | Credit Union | — | $242.3M | 87.56% |
| 47 | MassMutual Private Wealth & Trust, FSB Springfield, MA | Bank | Springfield, MA | $93.7M | 87.50% |
| 48 | City Of Boston Credit Union South Boston, MA | Credit Union | — | $546.2M | 87.08% |
| 49 | Mycom Federal Credit Union Pittsfield, MA | Credit Union | — | $27.4M | 86.85% |
| 50 | Dean Co-operative Bank Franklin, MA | Bank | Boston-Cambridge-Newton, MA-NH | $494.3M | 86.55% |