TellerScore

Nesc Federal Credit Union (NCUA charter #12334) is based in Methuen, Massachusetts. Its Q2 2026 call report shows $125.9M in total assets and $112.1M in member shares and deposits and 3 offices.

Nesc Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 85th. Problem-loan coverage contributes the most (88/100, 6.0%); earnings contributes the least (42/100, 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.61%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity82/100
Loans ÷ shares: 78.6% · 6.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.99%

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 4 points (68 → 64), mostly because the loan quality component weakened by 13 points.

TellerScore
646872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202472
Q4 202468
Q1 202569
Q2 202568
Q3 202569
Q4 202565
Q1 202665
Q2 202664
Net worth ratio
7.00%8.87%10.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.21%
Q3 202410.37%
Q4 202410.60%
Q1 202510.24%
Q2 202510.34%
Q3 202510.54%
Q4 202510.74%
Q1 202610.47%
Q2 202610.61%
Delinquent loans (60+ days)
0.11%0.53%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.22%
Q3 20240.11%
Q4 20240.57%
Q1 20250.33%
Q2 20250.50%
Q3 20250.42%
Q4 20250.94%
Q1 20260.72%
Q2 20260.91%
Return on assets
0.53%0.71%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.89%
Q3 20240.88%
Q4 20240.88%
Q1 20250.73%
Q2 20250.74%
Q3 20250.76%
Q4 20250.77%
Q1 20260.53%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$125.9M10.61%0.91%0.55%78.6%
Q1 202665$125.8M10.47%0.72%0.53%77.2%
Q4 202565$121.1M10.74%0.94%0.77%81.7%
Q3 202569$121.1M10.54%0.42%0.76%80.2%
Q2 202568$121.0M10.34%0.50%0.74%80.4%
Q1 202569$120.0M10.24%0.33%0.73%81.4%
Q4 202468$113.9M10.60%0.57%0.88%87.1%
Q3 202472$114.0M10.37%0.11%0.88%86.8%
Q2 202471$113.4M10.21%0.22%0.89%86.1%

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).

Capital ratio10.61%
38th
Problem loans0.91%
35th
Net charge-offs0.08%
88th
Return on assets0.55%
35th
Loans to deposits78.6%
44th
Uninsured deposits6.6%
43rd
Loan-loss reserves0.00%
50th
Texas ratio6.0%
31st

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Brotherhood Credit UnionCredit union Lynn, MA85 out of 100, Very strong$125.2M43.7%1.18%vs
Energy Credit UnionCredit union West Roxbury, MA72 out of 100, Strong$128.8M16.9%1.43%vs
Luso-American Credit UnionCredit union Peabody, MA84 out of 100, Strong$123.0M16.2%0.22%vs
St. Michaels Fall River Federal Credit UnionCredit union Fall River, MA48 out of 100, Below average$121.4M9.3%1.70%vs
First Priority Credit UnionCredit union Boston, MA75 out of 100, Strong$139.4M13.1%0.07%vs
Worcester Credit UnionCredit union Worcester, MA71 out of 100, Strong$107.3M11.8%0.87%vs

Deposit insurance

Is my money safe at Nesc Federal Credit Union?

Yes. Nesc Federal Credit Union is a federally insured credit union (NCUA charter #12334). 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 6.6% of shares and deposits ($7.4M) 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 10.61%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Nesc Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Nesc Federal Credit Union
Type
Federal credit union
NCUA charter #
12334
RSSD ID
188186
Primary regulator
NCUA
Established
1958
Headquarters
248 Pleasant St, Methuen, MA 01844
Employees
27

Quick answers

Nesc Federal Credit Union: common questions

Is Nesc Federal Credit Union NCUA insured?

Yes. Nesc Federal Credit Union is a federally insured credit union (NCUA charter #12334). 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 Nesc Federal Credit Union's TellerScore?

64 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 Nesc Federal Credit Union have?

3 offices as of the latest NCUA data.