TellerScore

Rockland Federal Credit Union (NCUA charter #24224) is based in Rockland, Massachusetts. Its Q2 2026 call report shows $3.8B in total assets and $3.3B in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Rockland Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 41% of 454 credit unions with $1 billion – $10 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 80th. Its strongest component is problem-loan coverage (92/100; 4.0%), and its lowest is earnings (48/100; 0.70%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.25%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity57/100
Loans ÷ shares: 102.1% · 16.4% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.98%

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 (67 → 65), mostly because the capital cushion component weakened by 5 points.

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202463
Q4 202463
Q1 202566
Q2 202567
Q3 202568
Q4 202567
Q1 202665
Q2 202665
Net worth ratio
7.00%9.04%11.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.08%
Q3 202410.89%
Q4 202410.83%
Q1 202510.84%
Q2 202510.76%
Q3 202510.78%
Q4 202510.88%
Q1 202610.44%
Q2 202610.25%
Delinquent loans (60+ days)
0.29%0.45%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.61%
Q4 20240.57%
Q1 20250.40%
Q2 20250.29%
Q3 20250.42%
Q4 20250.45%
Q1 20260.34%
Q2 20260.38%
Return on assets
0.46%0.65%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.48%
Q4 20240.50%
Q1 20250.65%
Q2 20250.62%
Q3 20250.83%
Q4 20250.78%
Q1 20260.53%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$3.8B10.25%0.38%0.70%102.1%
Q1 202665$3.7B10.44%0.34%0.53%97.7%
Q4 202567$3.5B10.88%0.45%0.78%100.5%
Q3 202568$3.4B10.78%0.42%0.83%102.7%
Q2 202567$3.3B10.76%0.29%0.62%105.1%
Q1 202566$3.3B10.84%0.40%0.65%103.9%
Q4 202463$3.2B10.83%0.57%0.50%105.7%
Q3 202463$3.2B10.89%0.61%0.48%105.4%
Q2 202466$3.1B11.08%0.36%0.46%104.6%

454 peers · $1 billion – $10 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 ratio10.25%
35th
Problem loans0.38%
82nd
Net charge-offs0.15%
90th
Return on assets0.70%
39th
Loans to deposits102.1%
11th
Uninsured deposits16.4%
10th
Loan-loss reserves0.00%
50th
Texas ratio4.0%
60th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Metro Credit UnionCredit union Chelsea, MA57 out of 100, Moderate$3.3B9.2%0.62%vs
Workers Federal Credit UnionCredit union Littleton, MA53 out of 100, Below average$2.5B10.1%0.81%vs
Brightbridge Credit UnionCredit union Lawrence, MA64 out of 100, Moderate$2.4B10.6%0.82%vs
Jeanne D'Arc Credit UnionCredit union Lowell, MA60 out of 100, Moderate$2.2B9.1%0.30%vs
Hanscom Federal Credit UnionCredit union Hanscom AFB, MA64 out of 100, Moderate$2.2B10.5%0.51%vs
Greylock Federal Credit UnionCredit union Pittsfield, MA67 out of 100, Moderate$1.8B12.8%1.35%vs

Deposit insurance

Is my money safe at Rockland Federal Credit Union?

Yes. Rockland Federal Credit Union is a federally insured credit union (NCUA charter #24224). 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 16.4% of shares and deposits ($544.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.25%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Rockland Federal Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rockland Federal Credit Union reported 1,220 home-loan applications under HMDA (LEI 5493000FSTFO9AWR2J40): 777 originated ($168,485,000 total), 264 denied, and 136 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.4%, 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
Rockland Federal Credit Union
Type
Federal credit union
NCUA charter #
24224
RSSD ID
114998
Primary regulator
NCUA
Established
1985
Headquarters
241 Union St, Rockland, MA 02370
Employees
240

Quick answers

Rockland Federal Credit Union: common questions

Is Rockland Federal Credit Union NCUA insured?

Yes. Rockland Federal Credit Union is a federally insured credit union (NCUA charter #24224). 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 Rockland Federal Credit Union's TellerScore?

65 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 Rockland Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rockland

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs