TellerScore

Headquartered in Woburn, Massachusetts, Common Trust Federal Credit Union is a federal credit union with $100.8M in total assets and $93.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1966.

Common Trust Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 73rd. Funding & liquidity contributes the most (100/100, 45% loans-to-deposits, 4% uninsured); earnings contributes the least (26/100, 0.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.47%
Loan quality98/100
Loans 60+ days delinquent ÷ total loans: 0.05%
Earnings26/100
Return on assets (annualized): 0.16%
Funding & liquidity100/100
Loans ÷ shares: 45.4% · 4.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 68).

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202469
Q1 202567
Q2 202568
Q3 202568
Q4 202565
Q1 202667
Q2 202668
Net worth ratio
7.00%8.76%10.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.36%
Q3 202410.52%
Q4 202410.40%
Q1 202510.03%
Q2 202510.13%
Q3 202510.30%
Q4 20259.79%
Q1 20269.68%
Q2 20269.47%
Delinquent loans (60+ days)
0.05%0.28%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.50%
Q3 20240.39%
Q4 20240.39%
Q1 20250.45%
Q2 20250.26%
Q3 20250.44%
Q4 20250.38%
Q1 20260.26%
Q2 20260.05%
Return on assets
-0.03%0.12%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.27%
Q4 20240.27%
Q1 20250.23%
Q2 20250.16%
Q3 20250.23%
Q4 2025-0.03%
Q1 20260.14%
Q2 20260.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$100.8M9.47%0.05%0.16%45.4%
Q1 202667$98.1M9.68%0.26%0.14%44.9%
Q4 202565$97.0M9.79%0.38%-0.03%45.4%
Q3 202568$86.1M10.30%0.44%0.23%46.1%
Q2 202568$86.8M10.13%0.26%0.16%48.3%
Q1 202567$58.2M10.03%0.45%0.23%54.3%
Q4 202469$55.7M10.40%0.39%0.27%57.1%
Q3 202469$54.8M10.52%0.39%0.27%60.4%
Q2 202467$55.2M10.36%0.50%0.26%59.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.47%
20th
Problem loans0.05%
98th
Net charge-offs0.34%
51st
Return on assets0.16%
9th
Loans to deposits45.4%
93rd
Uninsured deposits4.1%
70th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
97th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Tewksbury Federal Credit UnionCredit union Tewksbury, MA70 out of 100, Strong$100.7M10.3%0.47%vs
Worcester Credit UnionCredit union Worcester, MA71 out of 100, Strong$107.3M11.8%0.87%vs
St. Michaels Fall River Federal Credit UnionCredit union Fall River, MA48 out of 100, Below average$121.4M9.3%1.70%vs
Luso-American Credit UnionCredit union Peabody, MA84 out of 100, Strong$123.0M16.2%0.22%vs
Brotherhood Credit UnionCredit union Lynn, MA85 out of 100, Very strong$125.2M43.7%1.18%vs
Nesc Federal Credit UnionCredit union Methuen, MA64 out of 100, Moderate$125.9M10.6%0.91%vs

Deposit insurance

Is my money safe at Common Trust Federal Credit Union?

Yes. Common Trust Federal Credit Union is a federally insured credit union (NCUA charter #17847). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.1% of shares and deposits ($3.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.47%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Common Trust Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Common Trust Federal Credit Union
Type
Federal credit union
NCUA charter #
17847
RSSD ID
65287
Primary regulator
NCUA
Established
1966
Headquarters
8 Cedar St, Woburn, MA 01801
Employees
18

Quick answers

Common Trust Federal Credit Union: common questions

Is Common Trust Federal Credit Union NCUA insured?

Yes. Common Trust Federal Credit Union is a federally insured credit union (NCUA charter #17847). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Common Trust Federal Credit Union's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Common Trust Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Woburn

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs