Metrowest Community Federal Credit Union is a federal credit union headquartered in Framingham, Massachusetts, in business for about 85 years. At the end of Q2 2026 it reported $147.0M in total assets and $137.6M in member shares and deposits, with 2 offices.
Metrowest Community 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 72nd. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 10% uninsured); capital cushion contributes the least (37/100, 8.74%).
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 4 points (64 → 68), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 63 |
| Q1 2025 | 64 |
| Q2 2025 | 64 |
| Q3 2025 | 65 |
| Q4 2025 | 63 |
| Q1 2026 | 66 |
| Q2 2026 | 68 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.28% |
| Q3 2024 | 9.30% |
| Q4 2024 | 9.03% |
| Q1 2025 | 8.76% |
| Q2 2025 | 8.76% |
| Q3 2025 | 8.85% |
| Q4 2025 | 8.73% |
| Q1 2026 | 8.62% |
| Q2 2026 | 8.74% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.29% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.37% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.18% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.21% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.17% |
| Q3 2024 | -0.09% |
| Q4 2024 | -0.06% |
| Q1 2025 | 0.17% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.30% |
| Q4 2025 | -0.05% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $147.0M | 8.74% | 0.21% | 0.56% | 50.7% |
| Q1 2026 | 66 | $146.5M | 8.62% | 0.30% | 0.50% | 52.3% |
| Q4 2025 | 63 | $142.5M | 8.73% | 0.18% | -0.05% | 55.2% |
| Q3 2025 | 65 | $139.9M | 8.85% | 0.31% | 0.30% | 57.1% |
| Q2 2025 | 64 | $140.0M | 8.76% | 0.37% | 0.27% | 56.8% |
| Q1 2025 | 64 | $138.4M | 8.76% | 0.33% | 0.17% | 58.3% |
| Q4 2024 | 63 | $133.6M | 9.03% | 0.29% | -0.06% | 60.5% |
| Q3 2024 | 63 | $129.6M | 9.30% | 0.23% | -0.09% | 63.2% |
| Q2 2024 | 64 | $129.7M | 9.28% | 0.10% | -0.17% | 64.2% |
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 |
|---|---|---|---|---|---|
| First Priority Credit UnionCredit union Boston, MA | 75 out of 100, Strong | $139.4M | 13.1% | 0.07% | vs |
| Energy Credit UnionCredit union West Roxbury, MA | 72 out of 100, Strong | $128.8M | 16.9% | 1.43% | vs |
| Pioneer Valley Federal Credit UnionCredit union Springfield, MA | 71 out of 100, Strong | $167.2M | 11.6% | 0.39% | vs |
| Nesc Federal Credit UnionCredit union Methuen, MA | 64 out of 100, Moderate | $125.9M | 10.6% | 0.91% | vs |
| New Bedford Credit UnionCredit union New Bedford, MA | 71 out of 100, Strong | $168.7M | 11.0% | 0.44% | vs |
| Brotherhood Credit UnionCredit union Lynn, MA | 85 out of 100, Very strong | $125.2M | 43.7% | 1.18% | vs |
Deposit insurance
Is my money safe at Metrowest Community Federal Credit Union?
Yes. Metrowest Community Federal Credit Union is a federally insured credit union (NCUA charter #4731). 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 10.2% of shares and deposits ($14.0M) 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 8.74%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Metrowest Community Federal Credit Union lists 2 offices in 1 city. Most locations:
- Framingham, MA (2)
HMDA 2025
Mortgage lending
In 2025, Metrowest Community Federal Credit Union reported 68 home-loan applications under HMDA (LEI 254900HWPC2WEGN8NF25): 62 originated ($7,100,000 total), 4 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, 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
- Metrowest Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4731
- RSSD ID
- 670971
- Primary regulator
- NCUA
- Established
- 1941
- Headquarters
- 200 Concord St, Framingham, MA 01701
- Employees
- 12
Quick answers
Metrowest Community Federal Credit Union: common questions
Is Metrowest Community Federal Credit Union NCUA insured?
Yes. Metrowest Community Federal Credit Union is a federally insured credit union (NCUA charter #4731). 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 Metrowest Community 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 Metrowest Community Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Framingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |