TellerScore

Norwood Town Employees Federal Credit Union (NCUA charter #17112) is based in Norwood, Massachusetts. Its Q2 2026 call report shows $5.8M in total assets and $4.2M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Norwood Town Employees Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 92nd. Its strongest component is capital cushion (100/100; 27.07%), and its lowest is loan quality (0/100; 4.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.07%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.88%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity87/100
Loans ÷ shares: 72.9% · 0.1% uninsured
Problem-loan coverage81/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.38%

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 8 points (70 → 62), mostly because the loan quality component weakened by 18 points.

TellerScore
577388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202476
Q4 202457
Q1 202564
Q2 202570
Q3 202588
Q4 202563
Q1 202665
Q2 202662
Net worth ratio
7.00%17.04%27.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.38%
Q3 202425.18%
Q4 202425.84%
Q1 202526.96%
Q2 202526.72%
Q3 202526.84%
Q4 202526.92%
Q1 202626.84%
Q2 202627.07%
Delinquent loans (60+ days)
0.27%4.77%9.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.44%
Q3 20241.25%
Q4 20249.27%
Q1 20254.42%
Q2 20252.47%
Q3 20250.27%
Q4 20256.92%
Q1 20264.89%
Q2 20264.88%
Return on assets
0.47%1.12%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20240.59%
Q4 20240.47%
Q1 20251.18%
Q2 20251.26%
Q3 20251.02%
Q4 20250.97%
Q1 20261.19%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$5.8M27.07%4.88%0.88%72.9%
Q1 202665$5.8M26.84%4.89%1.19%70.8%
Q4 202563$5.7M26.92%6.92%0.97%71.1%
Q3 202588$5.7M26.84%0.27%1.02%72.2%
Q2 202570$5.7M26.72%2.47%1.26%77.6%
Q1 202564$5.6M26.96%4.42%1.18%75.3%
Q4 202457$5.8M25.84%9.27%0.47%75.6%
Q3 202476$6.0M25.18%1.25%0.59%73.7%
Q2 202483$6.2M24.38%1.44%1.77%74.4%

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 ratio27.07%
92nd
Problem loans4.88%
6th
Net charge-offs0.00%
77th
Return on assets0.88%
62nd
Loans to deposits72.9%
29th
Uninsured deposits0.1%
62nd
Loan-loss reserves1.13%
84th
Texas ratio9.4%
15th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Health Alliance Federal Credit UnionCredit union Somerville, MA83 out of 100, Strong$6.0M16.3%1.51%vs
Lynn Teachers Credit UnionCredit union Lynn, MA86 out of 100, Very strong$5.2M20.4%1.62%vs
Revere Firefighters Federal Credit UnionCredit union Revere, MA88 out of 100, Very strong$4.8M16.3%0.00%vs
Middlesex-Essex Postal Employees Federal Credit UnionCredit union North Reading, MA92 out of 100, Very strong$4.6M37.2%0.43%vs
Medford Municipal Employees Federal Credit UnionCredit union Medford, MA76 out of 100, Strong$7.2M25.7%1.38%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs

Deposit insurance

Is my money safe at Norwood Town Employees Federal Credit Union?

Yes. Norwood Town Employees Federal Credit Union is a federally insured credit union (NCUA charter #17112). 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 0.1% of shares and deposits ($3K) 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 27.07%, well 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Norwood Town Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
17112
RSSD ID
415686
Primary regulator
NCUA
Established
1965
Headquarters
PO Box 340, Norwood, MA 02062
Employees
3

Quick answers

Norwood Town Employees Federal Credit Union: common questions

Is Norwood Town Employees Federal Credit Union NCUA insured?

Yes. Norwood Town Employees Federal Credit Union is a federally insured credit union (NCUA charter #17112). 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 Norwood Town Employees Federal Credit Union's TellerScore?

62 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 Norwood Town Employees Federal Credit Union have?

1 office as of the latest NCUA data.