Headquartered in Fitchburg, Massachusetts, I-C Federal Credit Union is a federal credit union with $583.0M in total assets and $505.4M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1934.
I-C Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 113th. Problem-loan coverage contributes the most (83/100, 8.7%); earnings contributes the least (9/100, -0.27%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 7 points (43 → 50), mostly because the loan quality component improved by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 30 |
| Q3 2024 | 30 |
| Q4 2024 | 36 |
| Q1 2025 | 42 |
| Q2 2025 | 43 |
| Q3 2025 | 43 |
| Q4 2025 | 46 |
| Q1 2026 | 52 |
| Q2 2026 | 50 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.20% |
| Q3 2024 | 9.53% |
| Q4 2024 | 9.16% |
| Q1 2025 | 9.50% |
| Q2 2025 | 9.73% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.32% |
| Q1 2026 | 9.18% |
| Q2 2026 | 8.92% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.17% |
| Q3 2024 | 3.04% |
| Q4 2024 | 2.27% |
| Q1 2025 | 1.86% |
| Q2 2025 | 1.82% |
| Q3 2025 | 1.90% |
| Q4 2025 | 1.43% |
| Q1 2026 | 0.99% |
| Q2 2026 | 0.94% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.15% |
| Q3 2024 | -1.72% |
| Q4 2024 | -2.24% |
| Q1 2025 | -0.70% |
| Q2 2025 | -0.57% |
| Q3 2025 | -0.42% |
| Q4 2025 | -0.36% |
| Q1 2026 | -0.21% |
| Q2 2026 | -0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $583.0M | 8.92% | 0.94% | -0.27% | 88.2% |
| Q1 2026 | 52 | $547.3M | 9.18% | 0.99% | -0.21% | 82.8% |
| Q4 2025 | 46 | $548.0M | 9.32% | 1.43% | -0.36% | 82.8% |
| Q3 2025 | 43 | $529.7M | 9.59% | 1.90% | -0.42% | 81.0% |
| Q2 2025 | 43 | $527.0M | 9.73% | 1.82% | -0.57% | 79.8% |
| Q1 2025 | 42 | $533.9M | 9.50% | 1.86% | -0.70% | 80.7% |
| Q4 2024 | 36 | $563.4M | 9.16% | 2.27% | -2.24% | 84.0% |
| Q3 2024 | 30 | $604.3M | 9.53% | 3.04% | -1.72% | 85.5% |
| Q2 2024 | 30 | $609.0M | 10.20% | 4.17% | -1.15% | 91.7% |
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).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| City of Boston Credit UnionCredit union South Boston, MA | 48 out of 100, Below average | $544.5M | 9.1% | 1.95% | vs |
| Align Credit UnionCredit union Lowell, MA | 45 out of 100, Below average | $650.9M | 8.7% | 1.46% | vs |
| Millbury Federal Credit UnionCredit union Millbury, MA | 64 out of 100, Moderate | $468.2M | 9.7% | 0.29% | vs |
| Umassfive College Federal Credit UnionCredit union Hadley, MA | 58 out of 100, Moderate | $702.7M | 9.7% | 1.02% | vs |
| First Citizens' Federal Credit UnionCredit union Fairhaven, MA | 83 out of 100, Strong | $705.9M | 20.2% | 0.77% | vs |
| Boston Firefighters Credit UnionCredit union Dorchester, MA | 72 out of 100, Strong | $452.6M | 12.9% | 0.68% | vs |
Deposit insurance
Is my money safe at I-C Federal Credit Union?
Yes. I-C Federal Credit Union is a federally insured credit union (NCUA charter #24250). 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 6.2% of shares and deposits ($31.5M) 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 8.92%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
6 locations
Branches
I-C Federal Credit Union lists 6 offices in 5 cities. Most locations:
- Fitchburg, MA (2)
- Ayer, MA (1)
- Leominster, MA (1)
- Westminster, MA (1)
- Worcester, MA (1)
HMDA 2025
Mortgage lending
In 2025, I-C Federal Credit Union reported 204 home-loan applications under HMDA (LEI 5493007ISPBRCRINID86): 119 originated ($28,155,000 total), 49 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.2%, 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.
Identity & history
Profile
- Legal name
- I-C Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24250
- RSSD ID
- 89096
- Primary regulator
- NCUA
- Established
- 1934
- Headquarters
- 300 Bemis Rd, Fitchburg, MA 01420
- Employees
- 106
Quick answers
I-C Federal Credit Union: common questions
Is I-C Federal Credit Union NCUA insured?
Yes. I-C Federal Credit Union is a federally insured credit union (NCUA charter #24250). 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 I-C Federal Credit Union's TellerScore?
50 out of 100 (Below average), 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 I-C Federal Credit Union have?
6 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Fitchburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fidelity Personal Trust Company, FSBBank Merrimack, NH | 93 out of 100, Very strong | $74.6M | 101.5% | 0.00% | vs |
| NorthEast Community BankBank White Plains, NY | 90 out of 100, Very strong | $2.1B | 17.3% | 0.00% | vs |
| Webster First Federal Credit UnionCredit union Worcester, MA | 87 out of 100, Very strong | $1.5B | 19.7% | 0.41% | vs |
| Allcom Credit UnionCredit union Worcester, MA | 85 out of 100, Very strong | $81.8M | 16.6% | 0.07% | vs |
| Leominster Employees Federal Credit UnionCredit union Leominster, MA | 80 out of 100, Strong | $30.0M | 11.2% | 0.01% | vs |
| Middlesex Savings BankBank Natick, MA | 79 out of 100, Strong | $6.1B | 13.4% | 0.33% | vs |