TellerScore

Methuen Federal Credit Union is a federal credit union headquartered in Methuen, Massachusetts, in business for about 70 years. At the end of Q2 2026 it reported $41.8M in total assets and $37.5M in member shares and deposits, with 1 office.

Methuen Federal Credit Union has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 98th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 0% uninsured); earnings contributes the least (39/100, 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion46/100
Net worth ratio: 9.56%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.20%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 52.0% · 0.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.85%

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 9 points (69 → 60), mostly because the loan quality component weakened by 34 points.

TellerScore
606671Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202471
Q1 202569
Q2 202569
Q3 202568
Q4 202571
Q1 202671
Q2 202660
Net worth ratio
7.00%8.53%10.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.71%
Q3 20249.94%
Q4 202410.05%
Q1 20259.94%
Q2 20259.85%
Q3 20259.92%
Q4 202510.03%
Q1 20269.87%
Q2 20269.56%
Delinquent loans (60+ days)
0.09%0.64%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.09%
Q3 20240.14%
Q4 20240.11%
Q1 20250.17%
Q2 20250.19%
Q3 20250.38%
Q4 20250.18%
Q1 20260.19%
Q2 20261.20%
Return on assets
0.19%0.33%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.22%
Q4 20240.35%
Q1 20250.26%
Q2 20250.30%
Q3 20250.36%
Q4 20250.39%
Q1 20260.47%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$41.8M9.56%1.20%0.47%52.0%
Q1 202671$39.9M9.87%0.19%0.47%51.4%
Q4 202571$38.8M10.03%0.18%0.39%53.3%
Q3 202568$38.7M9.92%0.38%0.36%51.7%
Q2 202569$38.5M9.85%0.19%0.30%50.0%
Q1 202569$37.9M9.94%0.17%0.26%49.6%
Q4 202471$37.2M10.05%0.11%0.35%51.6%
Q3 202469$37.3M9.94%0.14%0.22%50.7%
Q2 202469$37.9M9.71%0.09%0.19%48.0%

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 ratio9.56%
13th
Problem loans1.20%
34th
Net charge-offs0.21%
46th
Return on assets0.47%
40th
Loans to deposits52.0%
60th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio5.9%
25th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
600 Atlantic Federal Credit UnionCredit union Boston, MA77 out of 100, Strong$39.1M13.6%0.77%vs
St. Anthony of Padua Federal Credit UnionCredit union Fall River, MA75 out of 100, Strong$38.4M19.6%1.91%vs
The Andovers Federal Credit UnionCredit union Andover, MA81 out of 100, Strong$36.9M13.2%0.67%vs
Worcester Fire Dept. Credit UnionCredit union Worcester, MA78 out of 100, Strong$47.1M13.2%0.91%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Somerville Municipal Federal Credit UnionCredit union Somerville, MA89 out of 100, Very strong$49.0M19.1%0.48%vs

Deposit insurance

Is my money safe at Methuen Federal Credit Union?

Yes. Methuen Federal Credit Union is a federally insured credit union (NCUA charter #10954). 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 0.0% of shares and deposits ($0) 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 9.56%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Methuen Federal Credit Union
Type
Federal credit union
NCUA charter #
10954
RSSD ID
872186
Primary regulator
NCUA
Established
1956
Headquarters
248 Broadway, Methuen, MA 01844
Employees
7

Quick answers

Methuen Federal Credit Union: common questions

Is Methuen Federal Credit Union NCUA insured?

Yes. Methuen Federal Credit Union is a federally insured credit union (NCUA charter #10954). 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 Methuen Federal Credit Union's TellerScore?

60 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 Methuen Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Methuen

InstitutionScoreAssetsCapitalProblem loansCompare
New Hampshire Postal Credit UnionCredit union Manchester, NH100 out of 100, Very strong$68.5M22.6%0.03%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Fidelity Personal Trust Company, FSBBank Merrimack, NH93 out of 100, Very strong$74.6M101.5%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs