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.

From Q2 2025 to Q2 2026, the score rose 6 points (58 → 64), mostly because the earnings component improved by 21 points.

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

Similar-size credit unions in Massachusetts

Yes. Direct Federal Credit Union is a federally insured credit union (NCUA charter #9071). 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 10.5% of shares and deposits ($65.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.36%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Direct Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

• Anaheim, CA (1)
• Needham, MA (1)

All branch addresses and map

In 2025, Direct Federal Credit Union reported 737 home-loan applications under HMDA (LEI 5493008Q2ZM3OTLTQH25): 445 originated ($99,475,000 total), 226 denied, and 59 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Direct Federal Credit Union

Type

Federal credit union

NCUA charter #

9071

RSSD ID

151582

Primary regulator

NCUA

Established

1953

Headquarters

50 Cabot St, PO Box 9123, Needham, MA 02494

Employees

79