TellerScore

Leominster Employees Federal Credit Union is a federal credit union headquartered in Leominster, Massachusetts, in business for about 90 years. At the end of Q2 2026 it reported $30.0M in total assets and $26.4M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Leominster Employees Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 38th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is earnings (56/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.20%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity100/100
Loans ÷ shares: 53.5% · 0.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.06%

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 fell 2 points (82 → 80), mostly because the earnings component weakened by 12 points.

TellerScore
757983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202480
Q1 202583
Q2 202582
Q3 202583
Q4 202582
Q1 202678
Q2 202680
Net worth ratio
7.00%9.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.01%
Q3 202411.35%
Q4 202410.77%
Q1 202511.17%
Q2 202511.10%
Q3 202511.42%
Q4 202511.39%
Q1 202611.21%
Q2 202611.20%
Delinquent loans (60+ days)
0.00%0.35%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.71%
Q4 20240.01%
Q1 20250.01%
Q2 20250.00%
Q3 20250.04%
Q4 20250.09%
Q1 20260.28%
Q2 20260.01%
Return on assets
0.90%1.08%1.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.10%
Q3 20241.12%
Q4 20241.07%
Q1 20251.25%
Q2 20251.19%
Q3 20251.24%
Q4 20251.15%
Q1 20260.94%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$30.0M11.20%0.01%0.90%53.5%
Q1 202678$29.3M11.21%0.28%0.94%53.7%
Q4 202582$28.3M11.39%0.09%1.15%56.3%
Q3 202583$27.6M11.42%0.04%1.24%57.9%
Q2 202582$27.6M11.10%0.00%1.19%58.8%
Q1 202583$26.7M11.17%0.01%1.25%58.8%
Q4 202480$26.9M10.77%0.01%1.07%55.2%
Q3 202476$24.8M11.35%0.71%1.12%60.3%
Q2 202475$25.0M11.01%0.67%1.10%58.8%

2,479 peers · Under $100 million in assets

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 ratio11.20%
25th
Problem loans0.01%
86th
Net charge-offs-0.01%
87th
Return on assets0.90%
63rd
Loans to deposits53.5%
58th
Uninsured deposits0.3%
60th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Massachusetts Family Federal Credit UnionCredit union Lynn, MA81 out of 100, Strong$29.6M16.3%0.01%vs
Htm Credit UnionCredit union Haverhill, MA84 out of 100, Strong$29.6M13.8%0.11%vs
Malden Federal Credit UnionCredit union Malden, MA90 out of 100, Very strong$29.4M17.1%0.03%vs
Mills42 Federal Credit UnionCredit union Lowell, MA73 out of 100, Strong$31.5M11.9%0.61%vs
Lowell Firefighters Credit UnionCredit union Lowell, MA75 out of 100, Strong$28.3M11.3%0.09%vs
Taupa Lithuanian Federal Credit UnionCredit union South Boston, MA32 out of 100, Low$32.1M9.1%3.21%vs

Deposit insurance

Is my money safe at Leominster Employees Federal Credit Union?

Yes. Leominster Employees Federal Credit Union is a federally insured credit union (NCUA charter #1461). 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 0.3% of shares and deposits ($71K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.20%, 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

Leominster Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Leominster Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1461
RSSD ID
387176
Primary regulator
NCUA
Established
1936
Headquarters
24 Church St, Leominster, MA 01453
Employees
5

Quick answers

Leominster Employees Federal Credit Union: common questions

Is Leominster Employees Federal Credit Union NCUA insured?

Yes. Leominster Employees Federal Credit Union is a federally insured credit union (NCUA charter #1461). 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 Leominster Employees Federal Credit Union's TellerScore?

80 out of 100 (Strong), 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 Leominster Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Leominster

InstitutionScoreAssetsCapitalProblem loansCompare
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Middlesex Savings BankBank Natick, MA79 out of 100, Strong$6.1B13.4%0.33%vs
Worcester Fire Dept. Credit UnionCredit union Worcester, MA78 out of 100, Strong$47.1M13.2%0.91%vs