TellerScore

Shrewsbury Federal Credit Union is a federal credit union headquartered in Shrewsbury, Massachusetts, in business for about 66 years. At the end of Q2 2026 it reported $249.4M in total assets and $229.8M in member shares and deposits, with 1 office.

Shrewsbury Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 68th. Funding & liquidity contributes the most (100/100, 47% loans-to-deposits, 11% uninsured); capital cushion contributes the least (37/100, 8.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.72%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity100/100
Loans ÷ shares: 46.9% · 11.3% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.72%

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 (73 → 69), mostly because the earnings component weakened by 19 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202464
Q1 202571
Q2 202573
Q3 202571
Q4 202568
Q1 202668
Q2 202669
Net worth ratio
7.00%7.88%8.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.10%
Q3 20248.28%
Q4 20248.44%
Q1 20258.32%
Q2 20258.75%
Q3 20258.74%
Q4 20258.38%
Q1 20268.51%
Q2 20268.72%
Delinquent loans (60+ days)
0.27%0.41%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.56%
Q4 20240.45%
Q1 20250.46%
Q2 20250.40%
Q3 20250.32%
Q4 20250.38%
Q1 20260.28%
Q2 20260.35%
Return on assets
0.43%0.92%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.49%
Q4 20240.53%
Q1 20251.42%
Q2 20251.38%
Q3 20251.15%
Q4 20250.94%
Q1 20260.73%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$249.4M8.72%0.35%0.89%46.9%
Q1 202668$247.6M8.51%0.28%0.73%47.8%
Q4 202568$246.0M8.38%0.38%0.94%49.1%
Q3 202571$232.1M8.74%0.32%1.15%52.0%
Q2 202573$227.0M8.75%0.40%1.38%52.7%
Q1 202571$229.7M8.32%0.46%1.42%50.1%
Q4 202464$216.8M8.44%0.45%0.53%53.2%
Q3 202462$216.7M8.28%0.56%0.49%55.8%
Q2 202464$217.3M8.10%0.27%0.43%54.5%

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 ratio8.72%
10th
Problem loans0.35%
78th
Net charge-offs0.05%
92nd
Return on assets0.89%
60th
Loans to deposits46.9%
92nd
Uninsured deposits11.3%
13th
Loan-loss reserves0.00%
50th
Texas ratio1.7%
80th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Luso Federal Credit UnionCredit union Ludlow, MA61 out of 100, Moderate$244.6M11.1%1.10%vs
Southbridge Credit UnionCredit union Southbridge, MA68 out of 100, Moderate$242.4M10.6%0.23%vs
Tremont Credit UnionCredit union Boston, MA55 out of 100, Moderate$256.5M10.6%1.43%vs
Somerset Federal Credit UnionCredit union Somerset, MA78 out of 100, Strong$263.3M12.5%0.19%vs
Greater Springfield Credit UnionCredit union Springfield, MA94 out of 100, Very strong$230.3M19.7%0.45%vs
Alltrust Credit UnionCredit union Fairhaven, MA25 out of 100, Low$280.2M8.5%3.57%vs

Deposit insurance

Is my money safe at Shrewsbury Federal Credit Union?

Yes. Shrewsbury Federal Credit Union is a federally insured credit union (NCUA charter #13601). 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 11.3% of shares and deposits ($25.9M) 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 8.72%, slightly 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

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

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Shrewsbury Federal Credit Union reported 36 home-loan applications under HMDA (LEI 549300Q4IFHVIODLF616): 23 originated ($3,645,000 total), 7 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.6%, 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
Shrewsbury Federal Credit Union
Type
Federal credit union
NCUA charter #
13601
RSSD ID
26886
Primary regulator
NCUA
Established
1960
Headquarters
P.O. Box 227, Shrewsbury, MA 01545
Employees
29

Quick answers

Shrewsbury Federal Credit Union: common questions

Is Shrewsbury Federal Credit Union NCUA insured?

Yes. Shrewsbury Federal Credit Union is a federally insured credit union (NCUA charter #13601). 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 Shrewsbury Federal Credit Union's TellerScore?

69 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 Shrewsbury Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Shrewsbury

InstitutionScoreAssetsCapitalProblem loansCompare
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Webster First Federal Credit UnionCredit union Worcester, MA87 out of 100, Very strong$1.5B19.7%0.41%vs
Allcom Credit UnionCredit union Worcester, MA85 out of 100, Very strong$81.8M16.6%0.07%vs
Leominster Employees Federal Credit UnionCredit union Leominster, MA80 out of 100, Strong$30.0M11.2%0.01%vs
Norfolk Community Federal Credit UnionCredit union Norfolk, MA80 out of 100, Strong$33.0M12.7%0.48%vs